Call reports 2004
MID STATE BANK — 2004
What MID STATE 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 | 40,106,000 | 44,248,000 | 44,490,000 | 41,459,000 |
| Total loans | 33,179,000 | 38,160,000 | 37,923,000 | 35,506,000 |
| Allowance for loan losses | 276,000 | 277,000 | 277,000 | 270,000 |
| Securities available for sale | 2,831,000 | 2,753,000 | 2,778,000 | 2,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,896,000 | 34,730,000 | 36,357,000 | 34,039,000 |
| Interest-bearing deposits | 31,557,000 | 30,306,000 | 30,652,000 | 29,135,000 |
| Noninterest-bearing deposits | 4,339,000 | 4,424,000 | 5,705,000 | 4,905,000 |
| Equity capital | 2,951,000 | 3,004,000 | 3,128,000 | 3,112,000 |
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 | 626,000 | 1,303,000 | 1,981,000 | 2,661,000 |
| Interest expense | 162,000 | 326,000 | 507,000 | 675,000 |
| Net interest income | 464,000 | 977,000 | 1,474,000 | 1,986,000 |
| Noninterest income | 38,000 | 78,000 | 160,000 | 196,000 |
| Noninterest expense | 434,000 | 826,000 | 1,241,000 | 1,668,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 68,000 | 229,000 | 393,000 | 514,000 |
| Income tax | 10,000 | 64,000 | 124,000 | 162,000 |
| Net income | 58,000 | 165,000 | 269,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,936,000 | 3,036,000 | 3,140,000 | 3,136,000 |
| Total capital | 3,212,000 | 3,313,000 | 3,417,000 | 3,406,000 |
| Risk-weighted assets | 26,142,000 | 31,003,000 | 30,931,000 | 27,786,000 |