Call reports 2001
MAIN STREET BANK & TRUST — 2001
What MAIN STREET BANK & TRUST reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 571,202,000 | 567,298,000 | 594,866,000 | 634,845,000 |
| Total loans | 360,491,000 | 356,797,000 | 380,869,000 | 384,368,000 |
| Allowance for loan losses | 5,105,000 | 4,966,000 | 4,788,000 | 5,138,000 |
| Securities available for sale | 84,922,000 | 94,120,000 | 116,945,000 | 124,510,000 |
| Securities held to maturity | 59,523,000 | 56,367,000 | 53,066,000 | 47,230,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,071,000 | 425,967,000 | 447,410,000 | 487,268,000 |
| Interest-bearing deposits | 375,850,000 | 364,373,000 | 377,197,000 | 403,146,000 |
| Noninterest-bearing deposits | 66,221,000 | 61,594,000 | 70,213,000 | 84,122,000 |
| Equity capital | 60,389,000 | 60,704,000 | 63,844,000 | 61,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 10,372,000 | 20,623,000 | 30,564,000 | 40,098,000 |
| Interest expense | 5,395,000 | 10,365,000 | 14,927,000 | 18,629,000 |
| Net interest income | 4,977,000 | 10,258,000 | 15,637,000 | 21,469,000 |
| Noninterest income | 1,416,000 | 2,938,000 | 4,500,000 | 6,196,000 |
| Noninterest expense | 3,455,000 | 7,038,000 | 10,694,000 | 14,703,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 1,050,000 |
| Pretax income | 2,838,000 | 6,032,000 | 9,217,000 | 12,125,000 |
| Income tax | 898,000 | 1,891,000 | 2,913,000 | 3,839,000 |
| Net income | 1,940,000 | 4,141,000 | 6,304,000 | 8,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,644,000 | 59,844,000 | 62,003,000 | 59,983,000 |
| Total capital | 64,776,000 | 64,881,000 | 66,869,000 | 65,208,000 |
| Risk-weighted assets | 405,452,000 | 405,211,000 | 427,149,000 | 436,244,000 |