Call reports 2005
MIDCAROLINA BANK — 2005
What MIDCAROLINA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 306,557,000 | 332,515,000 | 357,382,000 | 370,636,000 |
| Total loans | 239,086,000 | 262,150,000 | 275,127,000 | 280,855,000 |
| Allowance for loan losses | 3,134,000 | 3,501,000 | 3,881,000 | 4,090,000 |
| Securities available for sale | 39,966,000 | 46,054,000 | 55,768,000 | 58,248,000 |
| Securities held to maturity | 250,000 | 250,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,055,000 | 273,669,000 | 287,804,000 | 300,262,000 |
| Interest-bearing deposits | 218,356,000 | 240,940,000 | 256,575,000 | 268,718,000 |
| Noninterest-bearing deposits | 29,699,000 | 32,729,000 | 31,229,000 | 31,544,000 |
| Equity capital | 25,174,000 | 26,078,000 | 31,411,000 | 31,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,834,000 | 8,328,000 | 13,476,000 | 19,215,000 |
| Interest expense | 1,370,000 | 3,121,000 | 5,248,000 | 7,765,000 |
| Net interest income | 2,464,000 | 5,207,000 | 8,228,000 | 11,450,000 |
| Noninterest income | 791,000 | 1,551,000 | 2,174,000 | 2,750,000 |
| Noninterest expense | 2,090,000 | 4,250,000 | 6,378,000 | 8,539,000 |
| Provision for loan losses | 271,000 | 638,000 | 1,063,000 | 1,373,000 |
| Pretax income | 893,000 | 1,871,000 | 2,943,000 | 4,214,000 |
| Income tax | 258,000 | 539,000 | 861,000 | 1,277,000 |
| Net income | 635,000 | 1,332,000 | 2,082,000 | 2,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,554,000 | 26,116,000 | 31,451,000 | 32,146,000 |
| Total capital | 28,688,000 | 29,617,000 | 35,318,000 | 36,142,000 |
| Risk-weighted assets | 271,529,000 | 291,577,000 | 308,559,000 | 318,866,000 |
Machine access — free, no API key
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