Call reports 2002
MAINSTREET BANK — 2002
What MAINSTREET BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 43,692,000 | 45,637,000 | 46,450,000 | 48,506,000 |
| Total loans | 31,748,000 | 32,857,000 | 34,307,000 | 36,153,000 |
| Allowance for loan losses | 293,000 | 337,000 | 366,000 | 383,000 |
| Securities available for sale | 6,093,000 | 6,431,000 | 6,327,000 | 6,962,000 |
| Securities held to maturity | 2,615,000 | 2,024,000 | 2,013,000 | 2,057,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,654,000 | 38,377,000 | 37,801,000 | 40,702,000 |
| Interest-bearing deposits | 33,144,000 | 34,562,000 | 34,353,000 | 36,220,000 |
| Noninterest-bearing deposits | 3,510,000 | 3,815,000 | 3,448,000 | 4,482,000 |
| Equity capital | 2,973,000 | 3,199,000 | 3,353,000 | 3,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 734,000 | 1,483,000 | 2,260,000 | 3,042,000 |
| Interest expense | 293,000 | 581,000 | 871,000 | 1,166,000 |
| Net interest income | 441,000 | 902,000 | 1,389,000 | 1,876,000 |
| Noninterest income | 80,000 | 158,000 | 220,000 | 280,000 |
| Noninterest expense | 351,000 | 684,000 | 1,050,000 | 1,509,000 |
| Provision for loan losses | 16,000 | 59,000 | 82,000 | 98,000 |
| Pretax income | 154,000 | 317,000 | 479,000 | 550,000 |
| Income tax | 39,000 | 76,000 | 120,000 | 135,000 |
| Net income | 115,000 | 241,000 | 359,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,963,000 | 3,090,000 | 3,208,000 | 3,264,000 |
| Total capital | 3,256,000 | 3,427,000 | 3,574,000 | 3,647,000 |
| Risk-weighted assets | 29,887,000 | 31,463,000 | 32,187,000 | 34,291,000 |