Call reports 2005
MIDLAND STATES BANK — 2005
What MIDLAND STATES 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 | 396,936,000 | 397,947,000 | 400,364,000 | 414,360,000 |
| Total loans | 279,745,000 | 286,040,000 | 285,615,000 | 281,136,000 |
| Allowance for loan losses | 3,271,000 | 3,437,000 | 3,518,000 | 3,592,000 |
| Securities available for sale | 87,216,000 | 85,187,000 | 84,172,000 | 83,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,409,000 | 337,385,000 | 340,105,000 | 354,175,000 |
| Interest-bearing deposits | 297,992,000 | 293,346,000 | 299,139,000 | 297,366,000 |
| Noninterest-bearing deposits | 41,416,000 | 44,039,000 | 40,965,000 | 56,809,000 |
| Equity capital | 33,979,000 | 35,517,000 | 36,110,000 | 36,848,000 |
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 | 5,368,000 | 10,988,000 | 16,679,000 | 22,498,000 |
| Interest expense | 1,807,000 | 3,608,000 | 5,641,000 | 7,824,000 |
| Net interest income | 3,561,000 | 7,380,000 | 11,038,000 | 14,674,000 |
| Noninterest income | 808,000 | 1,616,000 | 2,493,000 | 3,186,000 |
| Noninterest expense | 2,863,000 | 5,789,000 | 8,696,000 | 11,279,000 |
| Provision for loan losses | 146,000 | 325,000 | 538,000 | 689,000 |
| Pretax income | 1,414,000 | 2,936,000 | 4,351,000 | 5,946,000 |
| Income tax | 450,000 | 942,000 | 1,395,000 | 1,934,000 |
| Net income | 964,000 | 1,994,000 | 2,956,000 | 4,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,975,000 | 32,071,000 | 33,098,000 | 34,220,000 |
| Total capital | 34,246,000 | 35,508,000 | 36,616,000 | 37,812,000 |
| Risk-weighted assets | 305,584,000 | 310,294,000 | 310,698,000 | 315,072,000 |