Call reports 2016
MAINSTREET BANK — 2016
What MAINSTREET BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 497,809,000 | 512,925,000 | 535,909,000 | 575,711,000 |
| Total loans | 416,356,000 | 421,335,000 | 445,010,000 | 467,906,000 |
| Allowance for loan losses | 3,671,000 | 3,694,000 | 3,675,000 | 3,980,000 |
| Securities available for sale | 33,112,000 | 25,869,000 | 26,434,000 | 36,354,000 |
| Securities held to maturity | 20,955,000 | 23,357,000 | 25,518,000 | 26,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,223,000 | 423,407,000 | 446,812,000 | 475,185,000 |
| Interest-bearing deposits | 322,151,000 | 324,902,000 | 332,684,000 | 367,353,000 |
| Noninterest-bearing deposits | 81,072,000 | 98,505,000 | 114,128,000 | 107,832,000 |
| Equity capital | 43,147,000 | 44,152,000 | 45,285,000 | 58,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,188,000 | 10,488,000 | 15,981,000 | 21,636,000 |
| Interest expense | 708,000 | 1,465,000 | 2,266,000 | 3,070,000 |
| Net interest income | 4,480,000 | 9,023,000 | 13,715,000 | 18,566,000 |
| Noninterest income | 201,000 | 606,000 | 1,030,000 | 1,467,000 |
| Noninterest expense | 3,279,000 | 6,838,000 | 10,478,000 | 13,920,000 |
| Provision for loan losses | 85,000 | 220,000 | 310,000 | 645,000 |
| Pretax income | 1,317,000 | 2,571,000 | 3,957,000 | 5,468,000 |
| Income tax | 403,000 | 784,000 | 1,158,000 | 1,593,000 |
| Net income | 914,000 | 1,787,000 | 2,799,000 | 3,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,277,000 | 44,284,000 | 45,364,000 | 59,003,000 |
| Total capital | 46,948,000 | 47,978,000 | 49,039,000 | 62,983,000 |
| Risk-weighted assets | 423,262,000 | 441,974,000 | 472,493,000 | 502,672,000 |