Call reports 2006
MIDLAND STATES BANK — 2006
What MIDLAND STATES BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 393,781,000 | 404,413,000 | 406,324,000 | 407,424,000 |
| Total loans | 275,172,000 | 287,744,000 | 284,282,000 | 288,936,000 |
| Allowance for loan losses | 3,590,000 | 3,475,000 | 2,873,000 | 3,766,000 |
| Securities available for sale | 88,109,000 | 86,115,000 | 85,021,000 | 82,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,832,000 | 356,677,000 | 351,616,000 | 329,730,000 |
| Interest-bearing deposits | 288,087,000 | 304,430,000 | 307,896,000 | 290,507,000 |
| Noninterest-bearing deposits | 48,745,000 | 52,247,000 | 43,720,000 | 39,223,000 |
| Equity capital | 33,473,000 | 31,814,000 | 33,508,000 | 34,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,800,000 | 11,796,000 | 18,046,000 | 24,532,000 |
| Interest expense | 2,336,000 | 4,879,000 | 7,823,000 | 10,903,000 |
| Net interest income | 3,464,000 | 6,917,000 | 10,223,000 | 13,629,000 |
| Noninterest income | 731,000 | 1,662,000 | 2,309,000 | 4,567,000 |
| Noninterest expense | 3,013,000 | 5,947,000 | 8,731,000 | 11,957,000 |
| Provision for loan losses | 85,000 | 173,000 | 377,000 | 1,361,000 |
| Pretax income | 1,098,000 | 2,460,000 | 3,425,000 | 4,879,000 |
| Income tax | 309,000 | 734,000 | 1,008,000 | 1,461,000 |
| Net income | 789,000 | 1,726,000 | 2,417,000 | 3,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,073,000 | 30,076,000 | 30,842,000 | 32,122,000 |
| Total capital | 34,663,000 | 33,551,000 | 33,715,000 | 35,888,000 |
| Risk-weighted assets | 309,920,000 | 320,301,000 | 318,186,000 | 316,705,000 |