Call reports 2005
MAINSTREET BANK — 2005
What MAINSTREET BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 67,534,000 | 72,494,000 | 79,141,000 | 79,965,000 |
| Total loans | 49,130,000 | 53,543,000 | 56,483,000 | 59,534,000 |
| Allowance for loan losses | 821,000 | 834,000 | 850,000 | 862,000 |
| Securities available for sale | 12,293,000 | 12,516,000 | 12,377,000 | 12,244,000 |
| Securities held to maturity | 1,127,000 | 1,117,000 | 1,467,000 | 1,876,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,792,000 | 55,801,000 | 68,050,000 | 67,341,000 |
| Interest-bearing deposits | 50,124,000 | 50,449,000 | 63,210,000 | 61,638,000 |
| Noninterest-bearing deposits | 5,668,000 | 5,352,000 | 4,840,000 | 5,703,000 |
| Equity capital | 5,400,000 | 5,691,000 | 5,762,000 | 5,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 956,000 | 1,964,000 | 3,073,000 | 4,217,000 |
| Interest expense | 303,000 | 650,000 | 1,079,000 | 1,623,000 |
| Net interest income | 653,000 | 1,314,000 | 1,994,000 | 2,594,000 |
| Noninterest income | 81,000 | 166,000 | 264,000 | 387,000 |
| Noninterest expense | 537,000 | 1,089,000 | 1,687,000 | 2,394,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 182,000 | 360,000 | 525,000 | 527,000 |
| Income tax | 20,000 | 49,000 | 64,000 | 24,000 |
| Net income | 162,000 | 311,000 | 461,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,103,000 | 5,252,000 | 5,402,000 | 5,444,000 |
| Total capital | 5,699,000 | 5,904,000 | 6,097,000 | 6,172,000 |
| Risk-weighted assets | 47,450,000 | 51,961,000 | 55,469,000 | 58,081,000 |