Call reports 2011
MAINSTREET BANK — 2011
What MAINSTREET BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 83,996,000 | 83,272,000 | 80,064,000 | 83,173,000 |
| Total loans | 53,202,000 | 53,582,000 | 53,375,000 | 54,437,000 |
| Allowance for loan losses | 664,000 | 710,000 | 670,000 | 741,000 |
| Securities available for sale | 2,788,000 | 2,063,000 | 1,653,000 | 1,234,000 |
| Securities held to maturity | 14,611,000 | 17,339,000 | 18,608,000 | 19,623,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,667,000 | 74,924,000 | 70,986,000 | 70,341,000 |
| Interest-bearing deposits | 66,342,000 | 64,811,000 | 62,912,000 | 61,238,000 |
| Noninterest-bearing deposits | 9,325,000 | 10,113,000 | 8,074,000 | 9,103,000 |
| Equity capital | 7,167,000 | 7,291,000 | 7,451,000 | 7,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,065,000 | 2,141,000 | 3,228,000 | 4,297,000 |
| Interest expense | 204,000 | 399,000 | 568,000 | 720,000 |
| Net interest income | 861,000 | 1,742,000 | 2,660,000 | 3,577,000 |
| Noninterest income | 79,000 | 53,000 | 124,000 | 160,000 |
| Noninterest expense | 701,000 | 1,373,000 | 2,054,000 | 2,826,000 |
| Provision for loan losses | 40,000 | 85,000 | 205,000 | 240,000 |
| Pretax income | 199,000 | 337,000 | 526,000 | 673,000 |
| Income tax | 17,000 | 30,000 | 60,000 | 14,000 |
| Net income | 182,000 | 307,000 | 466,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,803,000 | 6,927,000 | 7,087,000 | 7,279,000 |
| Total capital | 7,467,000 | 7,633,000 | 7,757,000 | 8,010,000 |
| Risk-weighted assets | 56,206,000 | 56,442,000 | 55,857,000 | 58,462,000 |