Call reports 2003
MAIN STREET BANK & TRUST — 2003
What MAIN STREET BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 667,802,000 | 677,801,000 | 703,689,000 | 707,551,000 |
| Total loans | 403,521,000 | 397,941,000 | 406,984,000 | 421,049,000 |
| Allowance for loan losses | 5,805,000 | 5,922,000 | 5,874,000 | 5,962,000 |
| Securities available for sale | 159,975,000 | 157,540,000 | 158,904,000 | 164,649,000 |
| Securities held to maturity | 62,090,000 | 69,843,000 | 67,335,000 | 65,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,493,000 | 526,403,000 | 565,622,000 | 570,180,000 |
| Interest-bearing deposits | 433,859,000 | 438,457,000 | 474,553,000 | 467,447,000 |
| Noninterest-bearing deposits | 90,634,000 | 87,946,000 | 91,069,000 | 102,733,000 |
| Equity capital | 70,633,000 | 71,235,000 | 55,816,000 | 55,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,860,000 | 17,439,000 | 25,799,000 | 33,927,000 |
| Interest expense | 2,615,000 | 5,156,000 | 7,555,000 | 9,840,000 |
| Net interest income | 6,245,000 | 12,283,000 | 18,244,000 | 24,087,000 |
| Noninterest income | 1,905,000 | 3,984,000 | 6,373,000 | 8,210,000 |
| Noninterest expense | 4,160,000 | 8,445,000 | 12,633,000 | 16,545,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 990,000 |
| Pretax income | 3,873,000 | 7,495,000 | 11,447,000 | 14,855,000 |
| Income tax | 1,277,000 | 2,476,000 | 3,829,000 | 5,106,000 |
| Net income | 2,596,000 | 5,019,000 | 7,618,000 | 9,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,327,000 | 68,742,000 | 54,328,000 | 54,460,000 |
| Total capital | 74,222,000 | 74,672,000 | 60,304,000 | 60,520,000 |
| Risk-weighted assets | 465,905,000 | 466,662,000 | 486,501,000 | 510,013,000 |