Call reports 2004
MIDWEST REGIONAL BANK — 2004
What MIDWEST REGIONAL BANK 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 | 18,418,000 | 18,102,000 | 18,015,000 | 19,160,000 |
| Total loans | 12,818,000 | 12,540,000 | 13,168,000 | 12,916,000 |
| Allowance for loan losses | 206,000 | 215,000 | 201,000 | 206,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 103,000 | 301,000 | 301,000 | 300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,976,000 | 16,646,000 | 16,458,000 | 17,548,000 |
| Interest-bearing deposits | 15,570,000 | 15,281,000 | 15,077,000 | 16,063,000 |
| Noninterest-bearing deposits | 1,405,000 | 1,365,000 | 1,380,000 | 1,485,000 |
| Equity capital | 1,335,000 | 1,382,000 | 1,472,000 | 1,527,000 |
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 | 288,000 | 580,000 | 887,000 | 1,200,000 |
| Interest expense | 84,000 | 165,000 | 244,000 | 325,000 |
| Net interest income | 204,000 | 415,000 | 643,000 | 875,000 |
| Noninterest income | 17,000 | 33,000 | 54,000 | 75,000 |
| Noninterest expense | 96,000 | 225,000 | 342,000 | 493,000 |
| Provision for loan losses | 9,000 | 25,000 | 34,000 | 43,000 |
| Pretax income | 116,000 | 198,000 | 321,000 | 414,000 |
| Income tax | 76,000 | 110,000 | 144,000 | 181,000 |
| Net income | 40,000 | 88,000 | 177,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,335,000 | 1,382,000 | 1,472,000 | 1,527,000 |
| Total capital | 1,490,000 | 1,536,000 | 1,635,000 | 1,688,000 |
| Risk-weighted assets | 12,322,000 | 12,285,000 | 12,973,000 | 12,856,000 |