Call reports 2004
MIDLAND STATES BANK — 2004
What MIDLAND STATES BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 369,413,000 | 373,654,000 | 417,391,000 | 419,934,000 |
| Total loans | 257,102,000 | 276,179,000 | 286,327,000 | 290,452,000 |
| Allowance for loan losses | 3,109,000 | 3,281,000 | 3,594,000 | 3,450,000 |
| Securities available for sale | 71,023,000 | 72,935,000 | 95,783,000 | 88,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,926,000 | 312,916,000 | 354,014,000 | 361,022,000 |
| Interest-bearing deposits | 262,321,000 | 267,131,000 | 300,254,000 | 317,704,000 |
| Noninterest-bearing deposits | 44,605,000 | 45,785,000 | 53,761,000 | 43,318,000 |
| Equity capital | 30,853,000 | 31,783,000 | 33,318,000 | 32,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,467,000 | 8,968,000 | 13,858,000 | 19,088,000 |
| Interest expense | 1,289,000 | 2,604,000 | 4,082,000 | 5,761,000 |
| Net interest income | 3,178,000 | 6,364,000 | 9,776,000 | 13,327,000 |
| Noninterest income | 714,000 | 1,535,000 | 2,357,000 | 3,019,000 |
| Noninterest expense | 2,548,000 | 5,285,000 | 8,030,000 | 10,968,000 |
| Provision for loan losses | 208,000 | 407,000 | 740,000 | 3,179,000 |
| Pretax income | 1,202,000 | 2,273,000 | 3,429,000 | 2,265,000 |
| Income tax | 371,000 | 691,000 | 1,044,000 | 513,000 |
| Net income | 831,000 | 1,582,000 | 2,385,000 | 1,752,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,829,000 | 28,146,000 | 29,014,000 | 28,946,000 |
| Total capital | 28,938,000 | 31,427,000 | 32,608,000 | 32,396,000 |
| Risk-weighted assets | 278,209,000 | 292,398,000 | 313,203,000 | 315,860,000 |