Call reports 2003
MID-STATE BANK & TRUST — 2003
What MID-STATE BANK & TRUST 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 | 1,977,880,000 | 2,024,252,000 | 2,086,090,000 | 2,208,832,000 |
| Total loans | 1,122,149,000 | 1,152,084,000 | 1,133,188,000 | 1,168,344,000 |
| Allowance for loan losses | 17,576,000 | 17,963,000 | 16,871,000 | 16,063,000 |
| Securities available for sale | 598,815,000 | 599,404,000 | 680,707,000 | 772,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,704,317,000 | 1,742,687,000 | 1,801,969,000 | 1,915,748,000 |
| Interest-bearing deposits | 1,304,525,000 | 1,317,403,000 | 1,284,521,000 | 1,424,807,000 |
| Noninterest-bearing deposits | 399,792,000 | 425,284,000 | 517,448,000 | 490,942,000 |
| Equity capital | 253,285,000 | 259,411,000 | 253,117,000 | 268,704,000 |
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 | 25,865,000 | 52,072,000 | 78,715,000 | 105,240,000 |
| Interest expense | 2,834,000 | 5,402,000 | 7,559,000 | 9,699,000 |
| Net interest income | 23,031,000 | 46,670,000 | 71,156,000 | 95,541,000 |
| Noninterest income | 6,912,000 | 14,634,000 | 22,817,000 | 30,044,000 |
| Noninterest expense | 18,171,000 | 36,256,000 | 55,029,000 | 74,977,000 |
| Provision for loan losses | 110,000 | 260,000 | 260,000 | -969,000 |
| Pretax income | 11,664,000 | 24,817,000 | 38,727,000 | 51,617,000 |
| Income tax | 4,103,000 | 8,776,000 | 13,610,000 | 18,024,000 |
| Net income | 7,561,000 | 16,041,000 | 25,117,000 | 33,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 198,824,000 | 201,504,000 | 198,815,000 | 199,264,000 |
| Total capital | 216,074,000 | 219,049,000 | 216,366,000 | 217,268,000 |
| Risk-weighted assets | 1,377,843,000 | 1,401,394,000 | 1,402,907,000 | 1,476,480,000 |