Call reports 2004
MID-STATE BANK & TRUST — 2004
What MID-STATE BANK & TRUST 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 | 2,218,667,000 | 2,252,015,000 | 2,309,543,000 | 2,296,082,000 |
| Total loans | 1,251,031,000 | 1,328,924,000 | 1,404,479,000 | 1,434,882,000 |
| Allowance for loan losses | 16,584,000 | 13,895,000 | 13,912,000 | 13,799,000 |
| Securities available for sale | 747,940,000 | 666,847,000 | 681,251,000 | 637,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,919,812,000 | 1,954,829,000 | 2,005,663,000 | 1,995,837,000 |
| Interest-bearing deposits | 1,435,908,000 | 1,455,691,000 | 1,474,782,000 | 1,477,407,000 |
| Noninterest-bearing deposits | 483,904,000 | 499,138,000 | 530,881,000 | 518,430,000 |
| Equity capital | 274,400,000 | 271,395,000 | 272,115,000 | 272,999,000 |
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 | 26,237,000 | 52,857,000 | 81,093,000 | 109,936,000 |
| Interest expense | 2,076,000 | 4,066,000 | 6,149,000 | 8,450,000 |
| Net interest income | 24,161,000 | 48,791,000 | 74,944,000 | 101,486,000 |
| Noninterest income | 6,773,000 | 14,800,000 | 22,123,000 | 27,790,000 |
| Noninterest expense | 19,606,000 | 40,408,000 | 60,678,000 | 79,007,000 |
| Provision for loan losses | 0 | -2,700,000 | -2,700,000 | -2,700,000 |
| Pretax income | 11,701,000 | 26,265,000 | 39,564,000 | 53,444,000 |
| Income tax | 3,900,000 | 8,975,000 | 13,508,000 | 17,878,000 |
| Net income | 7,801,000 | 17,290,000 | 26,056,000 | 35,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,104,000 | 210,638,000 | 206,483,000 | 210,339,000 |
| Total capital | 222,555,000 | 226,103,000 | 222,077,000 | 225,921,000 |
| Risk-weighted assets | 1,533,602,000 | 1,627,554,000 | 1,716,987,000 | 1,759,092,000 |