Call reports 2007
MAINSTREET BANK — 2007
What MAINSTREET BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 79,844,000 | 81,984,000 | 82,926,000 | 84,496,000 |
| Total loans | 59,015,000 | 62,537,000 | 63,872,000 | 64,011,000 |
| Allowance for loan losses | 904,000 | 912,000 | 916,000 | 902,000 |
| Securities available for sale | 11,719,000 | 11,153,000 | 10,967,000 | 10,984,000 |
| Securities held to maturity | 2,908,000 | 3,060,000 | 3,241,000 | 2,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,914,000 | 67,941,000 | 62,112,000 | 64,775,000 |
| Interest-bearing deposits | 63,060,000 | 62,010,000 | 57,054,000 | 59,038,000 |
| Noninterest-bearing deposits | 5,854,000 | 5,931,000 | 5,058,000 | 5,737,000 |
| Equity capital | 6,172,000 | 6,225,000 | 6,406,000 | 6,546,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,249,000 | 2,538,000 | 3,874,000 | 5,214,000 |
| Interest expense | 649,000 | 1,314,000 | 2,016,000 | 2,729,000 |
| Net interest income | 600,000 | 1,224,000 | 1,858,000 | 2,485,000 |
| Noninterest income | 111,000 | 217,000 | 316,000 | 417,000 |
| Noninterest expense | 628,000 | 1,222,000 | 1,821,000 | 2,466,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 68,000 | 192,000 | 326,000 | 409,000 |
| Income tax | -17,000 | -14,000 | -6,000 | -19,000 |
| Net income | 85,000 | 206,000 | 332,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,826,000 | 5,947,000 | 6,073,000 | 6,169,000 |
| Total capital | 6,548,000 | 6,708,000 | 6,858,000 | 6,947,000 |
| Risk-weighted assets | 57,578,000 | 60,724,000 | 62,120,000 | 62,119,000 |