Call reports 2007
MIDSOUTH BANK — 2007
What MIDSOUTH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 356,128,000 | 358,424,000 | 372,863,000 | 385,955,000 |
| Total loans | 200,675,000 | 215,036,000 | 216,586,000 | 221,376,000 |
| Allowance for loan losses | 3,029,000 | 3,193,000 | 3,282,000 | 3,338,000 |
| Securities available for sale | 49,663,000 | 47,524,000 | 50,366,000 | 50,374,000 |
| Securities held to maturity | 1,212,000 | 1,211,000 | 1,210,000 | 629,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,415,000 | 329,829,000 | 342,246,000 | 354,592,000 |
| Interest-bearing deposits | 293,092,000 | 299,807,000 | 306,379,000 | 321,026,000 |
| Noninterest-bearing deposits | 34,323,000 | 30,022,000 | 35,867,000 | 33,566,000 |
| Equity capital | 25,557,000 | 25,707,000 | 26,919,000 | 28,169,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,496,000 | 11,456,000 | 17,563,000 | 23,433,000 |
| Interest expense | 2,609,000 | 5,410,000 | 8,286,000 | 11,101,000 |
| Net interest income | 2,887,000 | 6,046,000 | 9,277,000 | 12,332,000 |
| Noninterest income | 305,000 | 633,000 | 938,000 | 1,308,000 |
| Noninterest expense | 1,847,000 | 3,733,000 | 5,661,000 | 7,743,000 |
| Provision for loan losses | 216,000 | 375,000 | 465,000 | 525,000 |
| Pretax income | 1,129,000 | 2,571,000 | 4,089,000 | 5,372,000 |
| Income tax | 50,000 | 135,000 | 227,000 | 293,000 |
| Net income | 1,079,000 | 2,436,000 | 3,862,000 | 5,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,703,000 | 24,199,000 | 25,099,000 | 26,339,000 |
| Total capital | 26,606,000 | 27,235,000 | 28,189,000 | 29,477,000 |
| Risk-weighted assets | 232,137,000 | 242,707,000 | 247,000,000 | 250,830,000 |