Call reports 2004
MIDCAROLINA BANK — 2004
What MIDCAROLINA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 237,525,000 | 252,589,000 | 279,159,000 | 284,747,000 |
| Total loans | 193,188,000 | 203,927,000 | 215,065,000 | 223,339,000 |
| Allowance for loan losses | 2,660,000 | 2,898,000 | 3,010,000 | 2,865,000 |
| Securities available for sale | 23,819,000 | 26,556,000 | 35,879,000 | 35,787,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,278,000 | 179,119,000 | 211,865,000 | 216,791,000 |
| Interest-bearing deposits | 152,789,000 | 156,799,000 | 185,119,000 | 193,124,000 |
| Noninterest-bearing deposits | 21,489,000 | 22,320,000 | 26,746,000 | 23,667,000 |
| Equity capital | 23,385,000 | 23,273,000 | 24,394,000 | 24,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,445,000 | 8,618,000 | 12,174,000 |
| Interest expense | 809,000 | 1,706,000 | 2,730,000 | 3,956,000 |
| Net interest income | 1,838,000 | 3,739,000 | 5,888,000 | 8,218,000 |
| Noninterest income | 897,000 | 1,925,000 | 3,085,000 | 4,069,000 |
| Noninterest expense | 1,908,000 | 3,829,000 | 5,975,000 | 8,002,000 |
| Provision for loan losses | 157,000 | 432,000 | 712,000 | 1,030,000 |
| Pretax income | 714,000 | 1,460,000 | 2,353,000 | 3,325,000 |
| Income tax | 220,000 | 466,000 | 761,000 | 1,057,000 |
| Net income | 494,000 | 994,000 | 1,592,000 | 2,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,357,000 | 23,877,000 | 24,355,000 | 24,946,000 |
| Total capital | 25,930,000 | 26,630,000 | 27,341,000 | 27,811,000 |
| Risk-weighted assets | 205,740,000 | 219,291,000 | 238,856,000 | 250,564,000 |