Call reports 2005
MIDSOUTH BANK — 2005
What MIDSOUTH 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 | 195,931,000 | 207,193,000 | 209,949,000 | 228,931,000 |
| Total loans | 138,927,000 | 148,073,000 | 147,514,000 | 151,709,000 |
| Allowance for loan losses | 2,058,000 | 2,155,000 | 2,271,000 | 2,251,000 |
| Securities available for sale | 43,682,000 | 44,276,000 | 41,944,000 | 41,150,000 |
| Securities held to maturity | 435,000 | 435,000 | 826,000 | 1,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,133,000 | 174,340,000 | 185,144,000 | 203,928,000 |
| Interest-bearing deposits | 147,038,000 | 152,312,000 | 161,408,000 | 173,069,000 |
| Noninterest-bearing deposits | 24,096,000 | 22,028,000 | 23,736,000 | 30,859,000 |
| Equity capital | 22,255,000 | 22,997,000 | 21,645,000 | 22,265,000 |
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 | 2,586,000 | 5,445,000 | 8,522,000 | 11,955,000 |
| Interest expense | 667,000 | 1,486,000 | 2,443,000 | 3,599,000 |
| Net interest income | 1,919,000 | 3,959,000 | 6,079,000 | 8,356,000 |
| Noninterest income | 344,000 | 664,000 | 1,007,000 | 1,305,000 |
| Noninterest expense | 1,336,000 | 2,734,000 | 4,227,000 | 5,686,000 |
| Provision for loan losses | 30,000 | 127,000 | 243,000 | 310,000 |
| Pretax income | 896,000 | 1,761,000 | 2,621,000 | 3,671,000 |
| Income tax | 52,000 | 105,000 | 162,000 | 219,000 |
| Net income | 844,000 | 1,656,000 | 2,459,000 | 3,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,299,000 | 20,559,000 | 19,657,000 | 20,444,000 |
| Total capital | 22,118,000 | 22,485,000 | 21,636,000 | 22,521,000 |
| Risk-weighted assets | 145,526,000 | 153,835,000 | 157,383,000 | 165,789,000 |