Main Street Bank
23970 U.S. Hwy. 59 North
Kingwood, TX 77339
FDIC Certificate #: 24979
Bank Charter Class:
NM
Definition
Dollar figures in thousands
Main Street Bank
Kingwood, TX
December 31, 2006
Main Street National Bank
Kingwood, TX
December 31, 2005
Assets and Liabilities
1
Total employees (full-time equivalent)
81
54
2
Total assets
116,710
68,430
3
Cash and due from depository institutions
4,564
2,637
4
Interest-bearing balances
0
0
5
Securities
7,423
11,049
6
Federal funds sold & reverse repurchase agreements
4,235
2,605
7
Net loans & leases
96,108
46,979
8
Loan loss allowance
1,887
875
9
Trading account assets
0
0
10
Bank premises and fixed assets
3,527
3,768
11
Other real estate owned
324
352
12
Goodwill and other intangibles
18
0
13
All other assets
511
1,040
14
Life insurance assets
0
N/A
15
Total liabilities and capital
116,710
68,430
16
Total liabilities
102,263
52,814
17
Total deposits
96,398
50,749
18
Interest-bearing deposits
82,904
38,928
19
Deposits held in domestic offices
96,398
50,749
20
% insured (estimated)
59.07%
89.90%
21
Federal funds purchased & repurchase agreements
0
0
22
Trading liabilities
0
0
23
Other borrowed funds
0
0
24
Subordinated debt
0
0
25
All other liabilities
5,865
2,065
26
Equity capital
14,447
15,616
27
Perpetual preferred stock
0
0
28
Common stock
1,401
1,401
29
Surplus
18,000
17,890
30
Undivided profits
-4,954
-3,675
Memoranda:
31
Noncurrent loans and leases
1,076
55
32
Income earned, not collected on loans
179
288
33
Earning assets
107,766
60,633
34
Long-term assets (5+ years)
8,032
5,889
35
Average Assets, year-to-date
92,203
60,625
36
Average Assets, quarterly
110,158
66,845
37
Volatile liabilities
49,968
14,814
38
Insider loans
0
0
39
FHLB advances
0
0
40
Loans and leases held for sale
0
0
41
Unused loan commitments
7,461
4,877
42
Tier 1 (core) capital
14,432
15,635
43
Total risk weighted assets
104,276
54,671
44
Total unused commitments
7,461
4,877
45
Restructured Loans and leases
0
0
46
Quarterly mutual fund sales
0
0
47
Derivatives
0
0
Total assets and liabilities in foreign offices
Past due and nonaccrual assets
Fiduciary and related services