Call reports 2005
MID STATE BANK — 2005
What MID STATE 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 | 41,373,000 | 44,928,000 | 46,480,000 | 41,274,000 |
| Total loans | 35,706,000 | 38,900,000 | 38,569,000 | 35,491,000 |
| Allowance for loan losses | 264,000 | 279,000 | 250,000 | 234,000 |
| Securities available for sale | 2,442,000 | 2,481,000 | 2,458,000 | 2,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,728,000 | 35,107,000 | 38,810,000 | 35,324,000 |
| Interest-bearing deposits | 28,966,000 | 30,056,000 | 32,072,000 | 29,145,000 |
| Noninterest-bearing deposits | 4,762,000 | 5,051,000 | 6,738,000 | 6,180,000 |
| Equity capital | 3,157,000 | 3,257,000 | 3,355,000 | 3,342,000 |
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 | 698,000 | 1,415,000 | 2,229,000 | 2,996,000 |
| Interest expense | 175,000 | 396,000 | 650,000 | 861,000 |
| Net interest income | 523,000 | 1,019,000 | 1,579,000 | 2,135,000 |
| Noninterest income | 36,000 | 72,000 | 127,000 | 156,000 |
| Noninterest expense | 456,000 | 869,000 | 1,306,000 | 1,736,000 |
| Provision for loan losses | 0 | 15,000 | 15,000 | 15,000 |
| Pretax income | 100,000 | 204,000 | 382,000 | 537,000 |
| Income tax | 23,000 | 55,000 | 119,000 | 174,000 |
| Net income | 77,000 | 149,000 | 263,000 | 363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,213,000 | 3,285,000 | 3,395,000 | 3,389,000 |
| Total capital | 3,477,000 | 3,564,000 | 3,645,000 | 3,623,000 |
| Risk-weighted assets | 28,693,000 | 31,601,000 | 31,297,000 | 29,360,000 |