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 | 82,259,000 | 100,399,000 | 123,618,000 | 132,605,000 |
| Total loans | 54,403,000 | 66,205,000 | 81,533,000 | 104,323,000 |
| Allowance for loan losses | 680,000 | 826,000 | 1,021,000 | 1,317,000 |
| Securities available for sale | 16,451,000 | 16,204,000 | 15,696,000 | 15,273,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,823,000 | 75,739,000 | 98,331,000 | 107,445,000 |
| Interest-bearing deposits | 39,065,000 | 52,387,000 | 83,034,000 | 94,051,000 |
| Noninterest-bearing deposits | 16,758,000 | 23,352,000 | 15,297,000 | 13,394,000 |
| Equity capital | 24,209,000 | 24,474,000 | 24,985,000 | 24,690,000 |
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 | 810,000 | 1,849,000 | 3,250,000 | 5,040,000 |
| Interest expense | 195,000 | 522,000 | 1,054,000 | 1,778,000 |
| Net interest income | 615,000 | 1,327,000 | 2,196,000 | 3,262,000 |
| Noninterest income | 138,000 | 365,000 | 605,000 | 855,000 |
| Noninterest expense | 1,067,000 | 2,305,000 | 3,672,000 | 5,241,000 |
| Provision for loan losses | 166,000 | 312,000 | 507,000 | 803,000 |
| Pretax income | -480,000 | -925,000 | -1,378,000 | -1,927,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -480,000 | -925,000 | -1,378,000 | -1,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,624,000 | 24,744,000 | 25,305,000 | 25,110,000 |
| Total capital | 25,304,000 | 25,570,000 | 26,326,000 | 26,427,000 |
| Risk-weighted assets | 64,659,000 | 78,675,000 | 98,266,000 | 121,116,000 |