Call reports 2025
MAINSTREET BANK — 2025
What MAINSTREET BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,217,133,000 | 2,108,772,000 | 2,121,429,000 | 2,209,046,000 |
| Total loans | 1,831,248,000 | 1,786,489,000 | 1,807,075,000 | 1,861,140,000 |
| Allowance for loan losses | 19,460,000 | 19,057,000 | 18,831,000 | 19,308,000 |
| Securities available for sale | 55,435,000 | 55,135,000 | 57,337,000 | 56,955,000 |
| Securities held to maturity | 13,657,000 | 12,846,000 | 12,793,000 | 13,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,913,810,000 | 1,803,702,000 | 1,817,041,000 | 1,902,250,000 |
| Interest-bearing deposits | 1,559,176,000 | 1,471,602,000 | 1,485,803,000 | 1,524,089,000 |
| Noninterest-bearing deposits | 354,634,000 | 332,100,000 | 331,238,000 | 378,161,000 |
| Equity capital | 271,208,000 | 274,890,000 | 278,641,000 | 282,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 32,962,000 | 67,249,000 | 99,712,000 | 131,586,000 |
| Interest expense | 15,641,000 | 30,337,000 | 44,896,000 | 58,840,000 |
| Net interest income | 17,321,000 | 36,912,000 | 54,816,000 | 72,746,000 |
| Noninterest income | 879,000 | 1,774,000 | 2,750,000 | 3,650,000 |
| Noninterest expense | 14,269,000 | 28,956,000 | 41,620,000 | 54,442,000 |
| Provision for loan losses | 0 | -528,000 | -593,000 | -118,000 |
| Pretax income | 3,931,000 | 10,273,000 | 16,344,000 | 22,024,000 |
| Income tax | 902,000 | 2,159,000 | 3,184,000 | 4,225,000 |
| Net income | 3,029,000 | 8,114,000 | 13,160,000 | 17,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 278,580,000 | 282,354,000 | 285,062,000 | 286,987,000 |
| Total capital | 298,327,000 | 301,683,000 | 304,376,000 | 306,631,000 |
| Risk-weighted assets | 1,884,630,000 | 1,835,039,000 | 1,880,808,000 | 1,906,768,000 |