Call reports 2006
MAINSTREET BANK — 2006
What MAINSTREET BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 80,947,000 | 82,312,000 | 83,635,000 | 81,505,000 |
| Total loans | 60,192,000 | 62,313,000 | 62,942,000 | 60,873,000 |
| Allowance for loan losses | 877,000 | 892,000 | 907,000 | 889,000 |
| Securities available for sale | 12,170,000 | 12,029,000 | 12,238,000 | 11,778,000 |
| Securities held to maturity | 2,420,000 | 2,385,000 | 2,685,000 | 2,961,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,490,000 | 70,420,000 | 68,407,000 | 68,562,000 |
| Interest-bearing deposits | 62,435,000 | 64,616,000 | 63,476,000 | 62,805,000 |
| Noninterest-bearing deposits | 6,055,000 | 5,804,000 | 4,931,000 | 5,757,000 |
| Equity capital | 5,801,000 | 5,838,000 | 6,131,000 | 6,136,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,191,000 | 2,435,000 | 3,736,000 | 5,042,000 |
| Interest expense | 536,000 | 1,131,000 | 1,782,000 | 2,466,000 |
| Net interest income | 655,000 | 1,304,000 | 1,954,000 | 2,576,000 |
| Noninterest income | 110,000 | 217,000 | 321,000 | 434,000 |
| Noninterest expense | 603,000 | 1,199,000 | 1,784,000 | 2,485,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 147,000 | 292,000 | 446,000 | 465,000 |
| Income tax | 10,000 | 25,000 | 37,000 | 8,000 |
| Net income | 137,000 | 267,000 | 409,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,501,000 | 5,631,000 | 5,773,000 | 5,821,000 |
| Total capital | 6,240,000 | 6,403,000 | 6,547,000 | 6,577,000 |
| Risk-weighted assets | 58,961,000 | 61,614,000 | 61,194,000 | 60,372,000 |