Call reports 2007
MIDLAND STATES BANK — 2007
What MIDLAND STATES BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 380,582,000 | 386,287,000 | 383,935,000 | 380,201,000 |
| Total loans | 279,984,000 | 278,139,000 | 288,054,000 | 284,251,000 |
| Allowance for loan losses | 3,559,000 | 3,590,000 | 3,250,000 | 3,232,000 |
| Securities available for sale | 72,220,000 | 69,340,000 | 70,292,000 | 69,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,308,000 | 325,328,000 | 319,506,000 | 311,548,000 |
| Interest-bearing deposits | 277,903,000 | 282,672,000 | 279,701,000 | 268,558,000 |
| Noninterest-bearing deposits | 39,405,000 | 42,656,000 | 39,805,000 | 42,990,000 |
| Equity capital | 31,838,000 | 32,148,000 | 33,414,000 | 34,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,235,000 | 12,316,000 | 18,505,000 | 24,543,000 |
| Interest expense | 3,043,000 | 6,071,000 | 9,140,000 | 12,056,000 |
| Net interest income | 3,192,000 | 6,245,000 | 9,365,000 | 12,487,000 |
| Noninterest income | 627,000 | 1,294,000 | 1,895,000 | 2,381,000 |
| Noninterest expense | 2,792,000 | 5,387,000 | 8,074,000 | 10,846,000 |
| Provision for loan losses | 128,000 | 258,000 | 291,000 | 497,000 |
| Pretax income | 899,000 | 1,894,000 | 2,895,000 | 3,525,000 |
| Income tax | 233,000 | 529,000 | 820,000 | 952,000 |
| Net income | 666,000 | 1,365,000 | 2,075,000 | 2,573,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,334,000 | 30,088,000 | 30,856,000 | 31,408,000 |
| Total capital | 32,893,000 | 33,678,000 | 34,106,000 | 34,640,000 |
| Risk-weighted assets | 307,487,000 | 309,127,000 | 316,663,000 | 311,799,000 |