Call reports 2003
MIDLAND STATES BANK — 2003
What MIDLAND STATES BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 295,276,000 | 300,127,000 | 305,194,000 | 346,948,000 |
| Total loans | 214,946,000 | 236,101,000 | 241,898,000 | 256,633,000 |
| Allowance for loan losses | 3,038,000 | 3,207,000 | 3,112,000 | 3,008,000 |
| Securities available for sale | 49,336,000 | 42,666,000 | 41,145,000 | 63,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,608,000 | 241,007,000 | 247,145,000 | 281,731,000 |
| Interest-bearing deposits | 205,482,000 | 208,539,000 | 216,352,000 | 243,922,000 |
| Noninterest-bearing deposits | 33,126,000 | 32,468,000 | 30,793,000 | 37,809,000 |
| Equity capital | 28,320,000 | 29,351,000 | 29,549,000 | 29,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,983,000 | 8,013,000 | 12,044,000 | 16,289,000 |
| Interest expense | 1,332,000 | 2,555,000 | 3,719,000 | 4,939,000 |
| Net interest income | 2,651,000 | 5,458,000 | 8,325,000 | 11,350,000 |
| Noninterest income | 861,000 | 1,883,000 | 2,941,000 | 3,797,000 |
| Noninterest expense | 2,100,000 | 4,451,000 | 6,958,000 | 9,486,000 |
| Provision for loan losses | 130,000 | 278,000 | 528,000 | 747,000 |
| Pretax income | 1,280,000 | 2,610,000 | 3,778,000 | 5,002,000 |
| Income tax | 411,000 | 828,000 | 1,209,000 | 1,642,000 |
| Net income | 869,000 | 1,782,000 | 2,569,000 | 3,360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,646,000 | 24,433,000 | 25,099,000 | 25,112,000 |
| Total capital | 26,409,000 | 27,443,000 | 28,211,000 | 28,120,000 |
| Risk-weighted assets | 220,899,000 | 240,566,000 | 249,770,000 | 268,366,000 |