Call reports 2003
MIDSOUTH BANK — 2003
What MIDSOUTH 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 | 194,593,000 | 182,693,000 | 187,045,000 | 188,134,000 |
| Total loans | 108,633,000 | 112,723,000 | 111,887,000 | 111,313,000 |
| Allowance for loan losses | 1,944,000 | 1,921,000 | 1,848,000 | 1,944,000 |
| Securities available for sale | 71,180,000 | 58,025,000 | 59,603,000 | 63,678,000 |
| Securities held to maturity | 542,000 | 540,000 | 540,000 | 355,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,555,000 | 159,811,000 | 164,463,000 | 165,184,000 |
| Interest-bearing deposits | 147,382,000 | 140,535,000 | 142,754,000 | 145,362,000 |
| Noninterest-bearing deposits | 20,173,000 | 19,276,000 | 21,709,000 | 19,822,000 |
| Equity capital | 20,513,000 | 21,247,000 | 20,996,000 | 21,504,000 |
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 | 2,364,000 | 4,692,000 | 6,960,000 | 9,199,000 |
| Interest expense | 721,000 | 1,339,000 | 1,886,000 | 2,394,000 |
| Net interest income | 1,643,000 | 3,353,000 | 5,074,000 | 6,805,000 |
| Noninterest income | 257,000 | 523,000 | 774,000 | 1,159,000 |
| Noninterest expense | 1,215,000 | 2,376,000 | 3,555,000 | 4,688,000 |
| Provision for loan losses | 30,000 | 80,000 | 160,000 | 270,000 |
| Pretax income | 654,000 | 1,435,000 | 2,149,000 | 3,022,000 |
| Income tax | 39,000 | 77,000 | 114,000 | 162,000 |
| Net income | 615,000 | 1,358,000 | 2,035,000 | 2,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,350,000 | 19,654,000 | 20,019,000 | 20,342,000 |
| Total capital | 20,914,000 | 21,265,000 | 21,640,000 | 21,951,000 |
| Risk-weighted assets | 124,633,000 | 128,982,000 | 129,425,000 | 128,388,000 |