Call reports 2014
MAINSTREET BANK — 2014
What MAINSTREET BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 90,303,000 | 91,477,000 | 89,535,000 | 91,817,000 |
| Total loans | 45,661,000 | 47,577,000 | 49,223,000 | 51,653,000 |
| Allowance for loan losses | 582,000 | 597,000 | 606,000 | 614,000 |
| Securities available for sale | 6,020,000 | 0 | 0 | 0 |
| Securities held to maturity | 28,719,000 | 35,450,000 | 35,760,000 | 35,235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,666,000 | 81,597,000 | 79,161,000 | 76,438,000 |
| Interest-bearing deposits | 68,334,000 | 69,389,000 | 68,077,000 | 65,635,000 |
| Noninterest-bearing deposits | 12,332,000 | 12,208,000 | 11,084,000 | 10,803,000 |
| Equity capital | 9,198,000 | 9,411,000 | 9,572,000 | 9,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,012,000 | 2,041,000 | 3,085,000 | 4,170,000 |
| Interest expense | 110,000 | 223,000 | 335,000 | 450,000 |
| Net interest income | 902,000 | 1,818,000 | 2,750,000 | 3,720,000 |
| Noninterest income | 91,000 | 214,000 | 296,000 | 377,000 |
| Noninterest expense | 713,000 | 1,394,000 | 2,114,000 | 2,974,000 |
| Provision for loan losses | 18,000 | 36,000 | 48,000 | 63,000 |
| Pretax income | 263,000 | 599,000 | 875,000 | 1,052,000 |
| Income tax | 13,000 | 76,000 | 131,000 | 182,000 |
| Net income | 250,000 | 523,000 | 744,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,834,000 | 9,047,000 | 9,208,000 | 9,274,000 |
| Total capital | 9,416,000 | 9,644,000 | 9,814,000 | 9,888,000 |
| Risk-weighted assets | 55,755,000 | 57,243,000 | 57,398,000 | 60,090,000 |