Call reports 2010
MAINSTREET BANK — 2010
What MAINSTREET BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,317,000 | 81,497,000 | 80,089,000 | 81,035,000 |
| Total loans | 60,481,000 | 61,294,000 | 57,115,000 | 57,370,000 |
| Allowance for loan losses | 393,000 | 452,000 | 490,000 | 626,000 |
| Securities available for sale | 4,461,000 | 3,894,000 | 3,584,000 | 3,217,000 |
| Securities held to maturity | 7,018,000 | 8,348,000 | 9,148,000 | 11,628,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,652,000 | 72,960,000 | 71,562,000 | 73,022,000 |
| Interest-bearing deposits | 65,145,000 | 64,692,000 | 63,298,000 | 63,358,000 |
| Noninterest-bearing deposits | 7,507,000 | 8,268,000 | 8,264,000 | 9,664,000 |
| Equity capital | 6,754,000 | 6,913,000 | 7,057,000 | 7,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,130,000 | 2,267,000 | 3,387,000 | 4,459,000 |
| Interest expense | 241,000 | 458,000 | 668,000 | 876,000 |
| Net interest income | 889,000 | 1,809,000 | 2,719,000 | 3,583,000 |
| Noninterest income | 85,000 | 61,000 | 102,000 | 74,000 |
| Noninterest expense | 671,000 | 1,317,000 | 2,015,000 | 2,716,000 |
| Provision for loan losses | 250,000 | 315,000 | 390,000 | 525,000 |
| Pretax income | 54,000 | 239,000 | 417,000 | 418,000 |
| Income tax | -9,000 | 16,000 | 48,000 | 59,000 |
| Net income | 63,000 | 223,000 | 369,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,385,000 | 6,545,000 | 6,691,000 | 6,680,000 |
| Total capital | 6,778,000 | 6,997,000 | 7,181,000 | 7,306,000 |
| Risk-weighted assets | 61,434,000 | 59,197,000 | 55,885,000 | 56,666,000 |
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