Call reports 2005
MID-STATE BANK & TRUST — 2005
What MID-STATE BANK & TRUST 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 | 2,322,180,000 | 2,351,095,000 | 2,422,372,000 | 2,391,498,000 |
| Total loans | 1,466,018,000 | 1,501,237,000 | 1,508,095,000 | 1,529,190,000 |
| Allowance for loan losses | 13,630,000 | 13,403,000 | 11,532,000 | 11,896,000 |
| Securities available for sale | 616,891,000 | 571,996,000 | 609,566,000 | 611,090,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,006,659,000 | 2,030,056,000 | 2,109,218,000 | 2,074,551,000 |
| Interest-bearing deposits | 1,478,735,000 | 1,464,293,000 | 1,516,361,000 | 1,501,824,000 |
| Noninterest-bearing deposits | 527,924,000 | 565,763,000 | 592,857,000 | 572,727,000 |
| Equity capital | 268,397,000 | 268,938,000 | 266,814,000 | 265,757,000 |
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 | 29,483,000 | 61,136,000 | 94,059,000 | 128,326,000 |
| Interest expense | 2,714,000 | 6,407,000 | 10,731,000 | 15,503,000 |
| Net interest income | 26,769,000 | 54,729,000 | 83,328,000 | 112,823,000 |
| Noninterest income | 5,486,000 | 10,853,000 | 15,583,000 | 20,509,000 |
| Noninterest expense | 18,100,000 | 37,035,000 | 55,661,000 | 75,576,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,163,000 | 28,634,000 | 43,337,000 | 57,843,000 |
| Income tax | 4,880,000 | 9,639,000 | 14,673,000 | 19,625,000 |
| Net income | 9,283,000 | 18,995,000 | 28,664,000 | 38,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 211,293,000 | 208,695,000 | 210,088,000 | 210,802,000 |
| Total capital | 226,547,000 | 223,857,000 | 223,459,000 | 224,459,000 |
| Risk-weighted assets | 1,784,892,000 | 1,841,112,000 | 1,875,451,000 | 1,872,796,000 |