Call reports 2009
MAINSTREET BANK — 2009
What MAINSTREET BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 83,305,000 | 85,592,000 | 84,070,000 | 85,119,000 |
| Total loans | 64,794,000 | 65,984,000 | 65,385,000 | 66,449,000 |
| Allowance for loan losses | 763,000 | 686,000 | 533,000 | 527,000 |
| Securities available for sale | 8,321,000 | 6,978,000 | 5,796,000 | 4,995,000 |
| Securities held to maturity | 3,961,000 | 4,316,000 | 5,775,000 | 6,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,966,000 | 76,312,000 | 74,148,000 | 72,088,000 |
| Interest-bearing deposits | 65,200,000 | 69,079,000 | 67,648,000 | 64,506,000 |
| Noninterest-bearing deposits | 6,766,000 | 7,233,000 | 6,500,000 | 7,582,000 |
| Equity capital | 6,546,000 | 6,627,000 | 6,442,000 | 6,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,363,000 | 3,556,000 | 4,749,000 |
| Interest expense | 401,000 | 776,000 | 1,095,000 | 1,374,000 |
| Net interest income | 781,000 | 1,587,000 | 2,461,000 | 3,375,000 |
| Noninterest income | 65,000 | 108,000 | 195,000 | 116,000 |
| Noninterest expense | 619,000 | 1,300,000 | 2,108,000 | 2,687,000 |
| Provision for loan losses | 50,000 | 125,000 | 470,000 | 545,000 |
| Pretax income | 177,000 | 270,000 | 78,000 | 260,000 |
| Income tax | 31,000 | 41,000 | 31,000 | -38,000 |
| Net income | 146,000 | 229,000 | 47,000 | 298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,169,000 | 6,253,000 | 6,071,000 | 6,322,000 |
| Total capital | 6,932,000 | 6,939,000 | 6,604,000 | 6,849,000 |
| Risk-weighted assets | 64,029,000 | 65,866,000 | 63,364,000 | 64,907,000 |
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