Call reports 2006
MAIN STREET BANK & TRUST — 2006
What MAIN STREET BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,567,418,000 | 1,542,159,000 | 1,544,893,000 | 1,524,790,000 |
| Total loans | 974,118,000 | 986,424,000 | 994,048,000 | 1,000,747,000 |
| Allowance for loan losses | 13,549,000 | 13,845,000 | 14,183,000 | 14,387,000 |
| Securities available for sale | 367,988,000 | 351,113,000 | 336,140,000 | 318,159,000 |
| Securities held to maturity | 84,834,000 | 79,886,000 | 75,412,000 | 69,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,257,879,000 | 1,211,365,000 | 1,256,271,000 | 1,238,533,000 |
| Interest-bearing deposits | 1,038,059,000 | 998,037,000 | 1,041,244,000 | 1,012,391,000 |
| Noninterest-bearing deposits | 219,820,000 | 213,328,000 | 215,027,000 | 226,142,000 |
| Equity capital | 136,348,000 | 136,311,000 | 137,956,000 | 138,507,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 21,694,000 | 44,159,000 | 67,113,000 | 90,138,000 |
| Interest expense | 9,173,000 | 19,327,000 | 29,990,000 | 40,971,000 |
| Net interest income | 12,521,000 | 24,832,000 | 37,123,000 | 49,167,000 |
| Noninterest income | 3,738,000 | 7,625,000 | 11,512,000 | 15,719,000 |
| Noninterest expense | 8,805,000 | 17,786,000 | 27,001,000 | 35,988,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 7,041,000 | 13,808,000 | 20,321,000 | 27,135,000 |
| Income tax | 2,498,000 | 4,886,000 | 7,179,000 | 9,593,000 |
| Net income | 4,543,000 | 8,922,000 | 13,142,000 | 17,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,326,000 | 115,834,000 | 116,186,000 | 116,716,000 |
| Total capital | 129,003,000 | 129,681,000 | 130,361,000 | 131,005,000 |
| Risk-weighted assets | 1,097,616,000 | 1,097,806,000 | 1,124,091,000 | 1,133,271,000 |