Call reports 2004
MAIN STREET BANK & TRUST — 2004
What MAIN STREET BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 724,992,000 | 741,944,000 | 779,318,000 | 1,209,207,000 |
| Total loans | 441,185,000 | 453,956,000 | 471,830,000 | 771,882,000 |
| Allowance for loan losses | 6,038,000 | 6,085,000 | 5,870,000 | 9,650,000 |
| Securities available for sale | 161,516,000 | 171,709,000 | 167,170,000 | 263,711,000 |
| Securities held to maturity | 74,816,000 | 66,649,000 | 58,588,000 | 81,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,143,000 | 613,757,000 | 640,425,000 | 986,030,000 |
| Interest-bearing deposits | 476,637,000 | 516,730,000 | 540,037,000 | 812,792,000 |
| Noninterest-bearing deposits | 98,506,000 | 97,027,000 | 100,388,000 | 173,238,000 |
| Equity capital | 56,268,000 | 55,907,000 | 57,485,000 | 91,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 8,244,000 | 16,541,000 | 25,135,000 | 54,384,000 |
| Interest expense | 2,283,000 | 4,723,000 | 7,471,000 | 16,877,000 |
| Net interest income | 5,961,000 | 11,818,000 | 17,664,000 | 37,507,000 |
| Noninterest income | 2,066,000 | 4,113,000 | 5,994,000 | 12,665,000 |
| Noninterest expense | 4,022,000 | 8,109,000 | 12,308,000 | 27,139,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 1,100,000 |
| Pretax income | 3,795,000 | 7,402,000 | 10,853,000 | 22,066,000 |
| Income tax | 1,331,000 | 2,597,000 | 3,815,000 | 7,709,000 |
| Net income | 2,464,000 | 4,805,000 | 7,038,000 | 14,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,968,000 | 56,308,000 | 57,542,000 | 91,654,000 |
| Total capital | 61,105,000 | 62,489,000 | 63,513,000 | 101,428,000 |
| Risk-weighted assets | 528,418,000 | 544,316,000 | 566,021,000 | 912,602,000 |