Call reports 2004
MIDSOUTH BANK — 2004
What MIDSOUTH 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 | 188,206,000 | 186,824,000 | 193,002,000 | 197,846,000 |
| Total loans | 113,723,000 | 123,043,000 | 130,794,000 | 133,309,000 |
| Allowance for loan losses | 2,020,000 | 2,063,000 | 2,064,000 | 2,028,000 |
| Securities available for sale | 60,605,000 | 52,758,000 | 50,568,000 | 45,460,000 |
| Securities held to maturity | 695,000 | 515,000 | 515,000 | 515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,865,000 | 158,173,000 | 160,396,000 | 172,882,000 |
| Interest-bearing deposits | 143,334,000 | 138,964,000 | 140,400,000 | 146,069,000 |
| Noninterest-bearing deposits | 18,531,000 | 19,208,000 | 19,996,000 | 26,813,000 |
| Equity capital | 22,327,000 | 20,281,000 | 21,609,000 | 22,286,000 |
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 | 2,301,000 | 4,563,000 | 6,956,000 | 9,489,000 |
| Interest expense | 485,000 | 970,000 | 1,506,000 | 2,090,000 |
| Net interest income | 1,816,000 | 3,593,000 | 5,450,000 | 7,399,000 |
| Noninterest income | 265,000 | 547,000 | 794,000 | 1,098,000 |
| Noninterest expense | 1,251,000 | 2,467,000 | 3,697,000 | 4,927,000 |
| Provision for loan losses | 75,000 | 120,000 | 150,000 | 180,000 |
| Pretax income | 753,000 | 1,550,000 | 2,394,000 | 3,387,000 |
| Income tax | 30,000 | 82,000 | 139,000 | 197,000 |
| Net income | 723,000 | 1,468,000 | 2,255,000 | 3,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,731,000 | 20,011,000 | 20,522,000 | 21,450,000 |
| Total capital | 22,399,000 | 21,737,000 | 22,333,000 | 23,222,000 |
| Risk-weighted assets | 133,070,000 | 137,801,000 | 144,631,000 | 141,442,000 |