Call reports 2007
MAIN STREET BANK & TRUST — 2007
What MAIN STREET BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Total assets | 1,516,939,000 | 1,520,513,000 | 1,679,876,000 |
| Total loans | 1,008,477,000 | 1,011,031,000 | 1,013,987,000 |
| Allowance for loan losses | 13,681,000 | 13,311,000 | 13,001,000 |
| Securities available for sale | 319,709,000 | 274,898,000 | 342,347,000 |
| Securities held to maturity | 62,458,000 | 60,485,000 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 1,247,934,000 | 1,264,091,000 | 1,276,392,000 |
| Interest-bearing deposits | 1,032,249,000 | 1,049,342,000 | 1,055,247,000 |
| Noninterest-bearing deposits | 215,685,000 | 214,749,000 | 221,145,000 |
| Equity capital | 139,083,000 | 139,330,000 | 284,030,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Interest income | 22,737,000 | 46,008,000 | 16,590,000 |
| Interest expense | 10,854,000 | 21,833,000 | 7,535,000 |
| Net interest income | 11,883,000 | 24,175,000 | 9,055,000 |
| Noninterest income | 3,994,000 | 8,140,000 | 2,454,000 |
| Noninterest expense | 8,872,000 | 18,094,000 | 5,886,000 |
| Provision for loan losses | 600,000 | 1,050,000 | 300,000 |
| Pretax income | 6,628,000 | 13,394,000 | 5,361,000 |
| Income tax | 2,359,000 | 4,765,000 | 1,924,000 |
| Net income | 4,269,000 | 8,629,000 | 3,437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 |
|---|---|---|---|
| Tier 1 capital | 117,115,000 | 117,606,000 | 130,108,000 |
| Total capital | 130,796,000 | 130,917,000 | 143,109,000 |
| Risk-weighted assets | 1,131,830,000 | 1,152,180,000 | 1,171,388,000 |