Call reports 2003
MAINSTREET BANK — 2003
What MAINSTREET BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 49,490,000 | 50,625,000 | 54,965,000 | 61,704,000 |
| Total loans | 36,937,000 | 37,088,000 | 38,868,000 | 44,765,000 |
| Allowance for loan losses | 404,000 | 416,000 | 428,000 | 771,000 |
| Securities available for sale | 7,196,000 | 7,687,000 | 10,399,000 | 10,833,000 |
| Securities held to maturity | 1,556,000 | 1,448,000 | 1,101,000 | 1,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,566,000 | 43,059,000 | 44,460,000 | 52,520,000 |
| Interest-bearing deposits | 37,767,000 | 39,043,000 | 40,630,000 | 47,797,000 |
| Noninterest-bearing deposits | 3,799,000 | 4,016,000 | 3,830,000 | 4,723,000 |
| Equity capital | 3,499,000 | 3,644,000 | 3,731,000 | 4,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 777,000 | 1,559,000 | 2,358,000 | 3,248,000 |
| Interest expense | 277,000 | 539,000 | 794,000 | 1,056,000 |
| Net interest income | 500,000 | 1,020,000 | 1,564,000 | 2,192,000 |
| Noninterest income | 67,000 | 131,000 | 196,000 | 262,000 |
| Noninterest expense | 394,000 | 794,000 | 1,177,000 | 1,738,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 161,000 | 333,000 | 547,000 | 668,000 |
| Income tax | 41,000 | 83,000 | 137,000 | 154,000 |
| Net income | 120,000 | 250,000 | 410,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,364,000 | 3,493,000 | 3,651,000 | 4,500,000 |
| Total capital | 3,768,000 | 3,909,000 | 4,079,000 | 5,041,000 |
| Risk-weighted assets | 33,800,000 | 35,583,000 | 38,033,000 | 43,040,000 |