Call reports 2013
MAINSTREET BANK — 2013
What MAINSTREET BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,776,000 | 85,357,000 | 84,254,000 | 88,689,000 |
| Total loans | 45,277,000 | 45,106,000 | 45,491,000 | 47,738,000 |
| Allowance for loan losses | 780,000 | 711,000 | 734,000 | 561,000 |
| Securities available for sale | 565,000 | 1,350,000 | 4,030,000 | 5,404,000 |
| Securities held to maturity | 26,920,000 | 30,005,000 | 29,626,000 | 29,365,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,796,000 | 76,269,000 | 73,979,000 | 73,851,000 |
| Interest-bearing deposits | 65,487,000 | 64,585,000 | 62,769,000 | 63,752,000 |
| Noninterest-bearing deposits | 11,309,000 | 11,684,000 | 11,210,000 | 10,099,000 |
| Equity capital | 8,606,000 | 8,726,000 | 8,954,000 | 9,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,944,000 | 2,984,000 | 4,023,000 |
| Interest expense | 116,000 | 231,000 | 348,000 | 462,000 |
| Net interest income | 843,000 | 1,713,000 | 2,636,000 | 3,561,000 |
| Noninterest income | 57,000 | 130,000 | 204,000 | 278,000 |
| Noninterest expense | 676,000 | 1,492,000 | 2,210,000 | 3,039,000 |
| Provision for loan losses | 51,000 | 51,000 | 51,000 | 66,000 |
| Pretax income | 225,000 | 353,000 | 632,000 | 787,000 |
| Income tax | -92,000 | -84,000 | -33,000 | 8,000 |
| Net income | 317,000 | 437,000 | 665,000 | 779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,242,000 | 8,362,000 | 8,590,000 | 8,644,000 |
| Total capital | 8,910,000 | 9,027,000 | 9,263,000 | 9,205,000 |
| Risk-weighted assets | 53,351,000 | 53,181,000 | 53,797,000 | 57,035,000 |