Call reports 2005
MIDWESTONE BANK — 2005
What MIDWESTONE BANK 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 | 173,475,000 | 174,045,000 | 173,822,000 | 181,303,000 |
| Total loans | 127,236,000 | 128,298,000 | 125,554,000 | 128,905,000 |
| Allowance for loan losses | 1,217,000 | 1,286,000 | 1,340,000 | 1,359,000 |
| Securities available for sale | 29,641,000 | 28,888,000 | 26,828,000 | 25,930,000 |
| Securities held to maturity | 1,608,000 | 1,591,000 | 1,504,000 | 1,502,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,106,000 | 107,443,000 | 113,120,000 | 120,488,000 |
| Interest-bearing deposits | 106,165,000 | 104,327,000 | 109,922,000 | 114,834,000 |
| Noninterest-bearing deposits | 2,941,000 | 3,116,000 | 3,198,000 | 5,654,000 |
| Equity capital | 19,758,000 | 19,905,000 | 19,821,000 | 19,948,000 |
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 | 2,813,000 | 5,580,000 | 8,120,000 | 10,889,000 |
| Interest expense | 1,109,000 | 2,190,000 | 3,370,000 | 4,641,000 |
| Net interest income | 1,704,000 | 3,390,000 | 4,750,000 | 6,248,000 |
| Noninterest income | 175,000 | 385,000 | 582,000 | 837,000 |
| Noninterest expense | 968,000 | 2,087,000 | 3,068,000 | 3,935,000 |
| Provision for loan losses | 426,000 | 689,000 | 862,000 | 974,000 |
| Pretax income | 485,000 | 999,000 | 1,402,000 | 2,176,000 |
| Income tax | 152,000 | 314,000 | 439,000 | 700,000 |
| Net income | 333,000 | 685,000 | 963,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,918,000 | 13,999,000 | 14,005,000 | 14,247,000 |
| Total capital | 15,135,000 | 15,285,000 | 15,345,000 | 15,606,000 |
| Risk-weighted assets | 106,454,000 | 107,523,000 | 107,908,000 | 113,952,000 |