Call reports 2005
MAIN STREET BANK & TRUST — 2005
What MAIN STREET BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,212,406,000 | 1,184,390,000 | 1,202,161,000 | 1,609,912,000 |
| Total loans | 774,602,000 | 802,156,000 | 797,840,000 | 1,015,328,000 |
| Allowance for loan losses | 9,955,000 | 10,158,000 | 10,109,000 | 13,422,000 |
| Securities available for sale | 229,420,000 | 232,038,000 | 208,483,000 | 340,328,000 |
| Securities held to maturity | 82,227,000 | 79,527,000 | 74,864,000 | 76,542,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 983,616,000 | 920,934,000 | 961,726,000 | 1,278,474,000 |
| Interest-bearing deposits | 796,578,000 | 733,617,000 | 779,670,000 | 1,037,262,000 |
| Noninterest-bearing deposits | 187,038,000 | 187,317,000 | 182,056,000 | 241,212,000 |
| Equity capital | 81,468,000 | 83,779,000 | 85,379,000 | 136,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,391,000 | 29,683,000 | 45,544,000 | 75,087,000 |
| Interest expense | 4,512,000 | 9,877,000 | 15,752,000 | 27,181,000 |
| Net interest income | 9,879,000 | 19,806,000 | 29,792,000 | 47,906,000 |
| Noninterest income | 3,346,000 | 6,693,000 | 10,586,000 | 15,245,000 |
| Noninterest expense | 7,286,000 | 14,966,000 | 22,298,000 | 35,217,000 |
| Provision for loan losses | 330,000 | 550,000 | 880,000 | 1,530,000 |
| Pretax income | 5,604,000 | 10,976,000 | 17,193,000 | 26,416,000 |
| Income tax | 1,980,000 | 3,843,000 | 6,046,000 | 9,428,000 |
| Net income | 3,624,000 | 7,133,000 | 11,147,000 | 16,988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,238,000 | 84,753,000 | 86,775,000 | 114,652,000 |
| Total capital | 93,303,000 | 95,044,000 | 97,025,000 | 128,227,000 |
| Risk-weighted assets | 895,562,000 | 918,257,000 | 917,797,000 | 1,137,619,000 |