Call reports 2003
MID STATE BANK — 2003
What MID STATE 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 | 38,677,000 | 41,050,000 | 40,999,000 | 39,399,000 |
| Total loans | 33,987,000 | 36,086,000 | 35,713,000 | 33,696,000 |
| Allowance for loan losses | 385,000 | 345,000 | 335,000 | 275,000 |
| Securities available for sale | 1,359,000 | 1,352,000 | 1,357,000 | 1,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,649,000 | 33,456,000 | 35,672,000 | 35,805,000 |
| Interest-bearing deposits | 30,291,000 | 29,907,000 | 30,419,000 | 31,096,000 |
| Noninterest-bearing deposits | 3,358,000 | 3,549,000 | 5,253,000 | 4,709,000 |
| Equity capital | 2,807,000 | 2,853,000 | 2,885,000 | 2,886,000 |
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 | 672,000 | 1,335,000 | 1,984,000 | 2,644,000 |
| Interest expense | 189,000 | 372,000 | 552,000 | 715,000 |
| Net interest income | 483,000 | 963,000 | 1,432,000 | 1,929,000 |
| Noninterest income | 46,000 | 95,000 | 145,000 | 183,000 |
| Noninterest expense | 433,000 | 882,000 | 1,337,000 | 1,757,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 101,000 | 181,000 | 250,000 | 380,000 |
| Income tax | 14,000 | 47,000 | 70,000 | 118,000 |
| Net income | 87,000 | 134,000 | 180,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,785,000 | 2,832,000 | 2,873,000 | 2,885,000 |
| Total capital | 3,114,000 | 3,177,000 | 3,208,000 | 3,160,000 |
| Risk-weighted assets | 26,267,000 | 28,408,000 | 28,991,000 | 26,761,000 |