Call reports 2004
MAINSTREET BANK — 2004
What MAINSTREET BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 62,747,000 | 64,381,000 | 67,604,000 | 68,103,000 |
| Total loans | 44,170,000 | 47,197,000 | 50,265,000 | 50,493,000 |
| Allowance for loan losses | 787,000 | 798,000 | 811,000 | 805,000 |
| Securities available for sale | 10,565,000 | 10,997,000 | 11,506,000 | 11,911,000 |
| Securities held to maturity | 1,061,000 | 1,009,000 | 1,007,000 | 1,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,815,000 | 55,980,000 | 55,802,000 | 55,763,000 |
| Interest-bearing deposits | 49,612,000 | 51,495,000 | 51,475,000 | 50,581,000 |
| Noninterest-bearing deposits | 5,203,000 | 4,485,000 | 4,327,000 | 5,182,000 |
| Equity capital | 4,979,000 | 4,947,000 | 5,323,000 | 5,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 903,000 | 1,827,000 | 2,801,000 | 3,774,000 |
| Interest expense | 268,000 | 533,000 | 826,000 | 1,143,000 |
| Net interest income | 635,000 | 1,294,000 | 1,975,000 | 2,631,000 |
| Noninterest income | 91,000 | 167,000 | 242,000 | 320,000 |
| Noninterest expense | 496,000 | 1,005,000 | 1,519,000 | 2,115,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 216,000 | 425,000 | 652,000 | 771,000 |
| Income tax | 43,000 | 85,000 | 125,000 | 117,000 |
| Net income | 173,000 | 340,000 | 527,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,645,000 | 4,707,000 | 4,894,000 | 5,021,000 |
| Total capital | 5,179,000 | 5,280,000 | 5,504,000 | 5,634,000 |
| Risk-weighted assets | 42,434,000 | 45,613,000 | 48,636,000 | 48,822,000 |