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