Call reports 2008
MIDSOUTH BANK — 2008
What MIDSOUTH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 384,984,000 | 370,695,000 | 362,171,000 | 337,907,000 |
| Total loans | 226,231,000 | 243,228,000 | 250,850,000 | 259,913,000 |
| Allowance for loan losses | 3,338,000 | 3,605,000 | 3,758,000 | 3,867,000 |
| Securities available for sale | 53,429,000 | 50,656,000 | 47,113,000 | 44,621,000 |
| Securities held to maturity | 539,000 | 538,000 | 537,000 | 281,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,228,000 | 340,393,000 | 332,480,000 | 307,614,000 |
| Interest-bearing deposits | 315,620,000 | 307,970,000 | 305,709,000 | 277,816,000 |
| Noninterest-bearing deposits | 37,608,000 | 32,423,000 | 26,771,000 | 29,798,000 |
| Equity capital | 28,544,000 | 27,638,000 | 26,627,000 | 26,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,077,000 | 9,661,000 | 14,102,000 | 18,367,000 |
| Interest expense | 2,298,000 | 3,914,000 | 5,266,000 | 6,397,000 |
| Net interest income | 2,779,000 | 5,747,000 | 8,836,000 | 11,970,000 |
| Noninterest income | 362,000 | 645,000 | 949,000 | 1,122,000 |
| Noninterest expense | 2,197,000 | 4,384,000 | 6,667,000 | 8,759,000 |
| Provision for loan losses | 90,000 | 695,000 | 1,165,000 | 1,299,000 |
| Pretax income | 854,000 | 1,313,000 | 1,953,000 | 3,036,000 |
| Income tax | 42,000 | 92,000 | 92,000 | 69,000 |
| Net income | 812,000 | 1,221,000 | 1,861,000 | 2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,701,000 | 26,668,000 | 27,077,000 | 28,183,000 |
| Total capital | 29,982,000 | 29,866,000 | 30,516,000 | 31,677,000 |
| Risk-weighted assets | 262,386,000 | 255,451,000 | 274,833,000 | 279,140,000 |