Call reports 2015
MAINSTREET BANK — 2015
What MAINSTREET BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 90,070,000 | 89,554,000 | 90,015,000 | 89,676,000 |
| Total loans | 49,372,000 | 50,721,000 | 50,629,000 | 50,016,000 |
| Allowance for loan losses | 634,000 | 621,000 | 629,000 | 637,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 34,905,000 | 34,177,000 | 33,831,000 | 32,346,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,169,000 | 80,107,000 | 80,416,000 | 77,485,000 |
| Interest-bearing deposits | 66,672,000 | 68,044,000 | 69,063,000 | 65,571,000 |
| Noninterest-bearing deposits | 12,497,000 | 12,064,000 | 11,352,000 | 11,914,000 |
| Equity capital | 8,750,000 | 8,871,000 | 9,242,000 | 9,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,042,000 | 1,980,000 | 3,000,000 | 4,005,000 |
| Interest expense | 110,000 | 221,000 | 332,000 | 440,000 |
| Net interest income | 932,000 | 1,759,000 | 2,668,000 | 3,565,000 |
| Noninterest income | 81,000 | 135,000 | 203,000 | 287,000 |
| Noninterest expense | 717,000 | 1,433,000 | 2,177,000 | 3,017,000 |
| Provision for loan losses | 18,000 | 36,000 | 48,000 | 54,000 |
| Pretax income | 279,000 | 419,000 | 636,000 | 771,000 |
| Income tax | 45,000 | 64,000 | -90,000 | -73,000 |
| Net income | 234,000 | 355,000 | 726,000 | 844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,386,000 | 8,507,000 | 8,884,000 | 9,011,000 |
| Total capital | 9,020,000 | 9,128,000 | 9,513,000 | 9,648,000 |
| Risk-weighted assets | 65,272,000 | 67,093,000 | 58,274,000 | 56,103,000 |