Call reports 2016
MAINSTREET BANK — 2016
What MAINSTREET BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 91,596,000 | 91,147,000 | 91,416,000 | 91,447,000 |
| Total loans | 49,724,000 | 50,903,000 | 52,070,000 | 53,698,000 |
| Allowance for loan losses | 646,000 | 667,000 | 769,000 | 772,000 |
| Securities available for sale | 0 | 0 | 1,789,000 | 1,922,000 |
| Securities held to maturity | 31,799,000 | 31,158,000 | 30,288,000 | 29,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,180,000 | 80,547,000 | 80,941,000 | 80,913,000 |
| Interest-bearing deposits | 68,289,000 | 68,663,000 | 68,659,000 | 68,188,000 |
| Noninterest-bearing deposits | 12,891,000 | 11,884,000 | 12,282,000 | 12,725,000 |
| Equity capital | 9,522,000 | 9,790,000 | 9,730,000 | 9,825,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 1,961,000 | 2,955,000 | 3,946,000 |
| Interest expense | 106,000 | 209,000 | 308,000 | 410,000 |
| Net interest income | 872,000 | 1,752,000 | 2,647,000 | 3,536,000 |
| Noninterest income | 72,000 | 133,000 | 203,000 | 286,000 |
| Noninterest expense | 747,000 | 1,480,000 | 2,267,000 | 3,086,000 |
| Provision for loan losses | 6,000 | 12,000 | 112,000 | 112,000 |
| Pretax income | 191,000 | 394,000 | 475,000 | 634,000 |
| Income tax | 29,000 | -36,000 | -94,000 | -98,000 |
| Net income | 162,000 | 430,000 | 569,000 | 732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,182,000 | 9,459,000 | 9,408,000 | 9,595,000 |
| Total capital | 9,828,000 | 10,126,000 | 10,124,000 | 10,331,000 |
| Risk-weighted assets | 57,891,000 | 56,666,000 | 57,252,000 | 58,824,000 |