Call reports 2003
MIDCAROLINA BANK — 2003
What MIDCAROLINA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 194,131,000 | 201,231,000 | 198,975,000 | 212,108,000 |
| Total loans | 148,823,000 | 169,344,000 | 168,926,000 | 184,833,000 |
| Allowance for loan losses | 2,236,000 | 2,342,000 | 2,476,000 | 2,522,000 |
| Securities available for sale | 9,005,000 | 8,150,000 | 6,969,000 | 7,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,882,000 | 155,190,000 | 155,929,000 | 151,989,000 |
| Interest-bearing deposits | 134,976,000 | 130,907,000 | 132,263,000 | 133,105,000 |
| Noninterest-bearing deposits | 21,906,000 | 24,283,000 | 23,666,000 | 18,884,000 |
| Equity capital | 18,031,000 | 18,510,000 | 18,905,000 | 22,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,673,000 | 7,142,000 | 9,652,000 |
| Interest expense | 806,000 | 1,672,000 | 2,494,000 | 3,298,000 |
| Net interest income | 1,451,000 | 3,001,000 | 4,648,000 | 6,354,000 |
| Noninterest income | 774,000 | 1,679,000 | 2,790,000 | 3,547,000 |
| Noninterest expense | 1,531,000 | 3,290,000 | 5,240,000 | 6,845,000 |
| Provision for loan losses | 120,000 | 275,000 | 430,000 | 586,000 |
| Pretax income | 574,000 | 1,143,000 | 1,796,000 | 2,498,000 |
| Income tax | 183,000 | 352,000 | 562,000 | 835,000 |
| Net income | 391,000 | 791,000 | 1,234,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,250,000 | 17,992,000 | 18,571,000 | 19,187,000 |
| Total capital | 20,006,000 | 20,801,000 | 21,242,000 | 25,317,000 |
| Risk-weighted assets | 167,856,000 | 184,489,000 | 184,276,000 | 194,001,000 |