Call reports 2001
MAINSTREET BANK — 2001
What MAINSTREET BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 40,290,000 | 42,886,000 | 42,907,000 | 43,408,000 |
| Total loans | 28,015,000 | 29,812,000 | 30,125,000 | 30,929,000 |
| Allowance for loan losses | 278,000 | 290,000 | 273,000 | 285,000 |
| Securities available for sale | 6,027,000 | 5,989,000 | 5,885,000 | 6,130,000 |
| Securities held to maturity | 3,160,000 | 3,388,000 | 3,456,000 | 2,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,667,000 | 36,087,000 | 35,945,000 | 36,318,000 |
| Interest-bearing deposits | 31,701,000 | 32,331,000 | 32,814,000 | 32,320,000 |
| Noninterest-bearing deposits | 2,966,000 | 3,756,000 | 3,131,000 | 3,998,000 |
| Equity capital | 2,720,000 | 2,746,000 | 2,911,000 | 2,920,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,490,000 | 2,267,000 | 3,054,000 |
| Interest expense | 456,000 | 882,000 | 1,305,000 | 1,685,000 |
| Net interest income | 281,000 | 608,000 | 962,000 | 1,369,000 |
| Noninterest income | 70,000 | 148,000 | 226,000 | 310,000 |
| Noninterest expense | 343,000 | 669,000 | 996,000 | 1,370,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | -5,000 | 63,000 | 157,000 | 263,000 |
| Income tax | -8,000 | 9,000 | 32,000 | 61,000 |
| Net income | 3,000 | 54,000 | 125,000 | 202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,670,000 | 2,721,000 | 2,791,000 | 2,869,000 |
| Total capital | 2,948,000 | 3,011,000 | 3,064,000 | 3,154,000 |
| Risk-weighted assets | 26,219,000 | 28,078,000 | 28,122,000 | 29,082,000 |