Call reports 2005
MID AMERICA BANK — 2005
What MID AMERICA 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 | 94,293,000 | 97,956,000 | 100,547,000 | 107,064,000 |
| Total loans | 64,080,000 | 65,674,000 | 71,509,000 | 79,860,000 |
| Allowance for loan losses | 565,000 | 565,000 | 584,000 | 604,000 |
| Securities available for sale | 10,213,000 | 10,769,000 | 12,483,000 | 11,788,000 |
| Securities held to maturity | 5,878,000 | 6,341,000 | 7,091,000 | 7,353,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,586,000 | 87,009,000 | 89,226,000 | 95,168,000 |
| Interest-bearing deposits | 74,432,000 | 78,086,000 | 80,067,000 | 85,096,000 |
| Noninterest-bearing deposits | 9,154,000 | 8,923,000 | 9,159,000 | 10,072,000 |
| Equity capital | 6,160,000 | 6,540,000 | 6,807,000 | 7,383,000 |
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 | 1,135,000 | 2,432,000 | 3,864,000 | 5,424,000 |
| Interest expense | 391,000 | 890,000 | 1,459,000 | 2,120,000 |
| Net interest income | 744,000 | 1,542,000 | 2,405,000 | 3,304,000 |
| Noninterest income | 42,000 | 87,000 | 138,000 | 198,000 |
| Noninterest expense | 406,000 | 805,000 | 1,266,000 | 1,840,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 380,000 | 824,000 | 1,257,000 | 1,622,000 |
| Income tax | 116,000 | 219,000 | 340,000 | 538,000 |
| Net income | 264,000 | 605,000 | 917,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,238,000 | 6,579,000 | 6,891,000 | 7,558,000 |
| Total capital | 6,803,000 | 7,144,000 | 7,475,000 | 8,162,000 |
| Risk-weighted assets | 65,604,000 | 67,568,000 | 71,388,000 | 79,007,000 |
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