Call reports 2005
MIDWEST REGIONAL BANK — 2005
What MIDWEST REGIONAL 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 | 19,091,000 | 19,113,000 | 19,199,000 | 19,283,000 |
| Total loans | 13,468,000 | 13,106,000 | 13,513,000 | 14,170,000 |
| Allowance for loan losses | 219,000 | 231,000 | 233,000 | 244,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 300,000 | 300,000 | 300,000 | 397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,520,000 | 17,615,000 | 17,611,000 | 17,648,000 |
| Interest-bearing deposits | 16,168,000 | 16,117,000 | 16,129,000 | 16,023,000 |
| Noninterest-bearing deposits | 1,352,000 | 1,498,000 | 1,483,000 | 1,625,000 |
| Equity capital | 1,477,000 | 1,442,000 | 1,496,000 | 1,546,000 |
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 | 315,000 | 638,000 | 971,000 | 1,331,000 |
| Interest expense | 93,000 | 188,000 | 291,000 | 402,000 |
| Net interest income | 222,000 | 450,000 | 680,000 | 929,000 |
| Noninterest income | 21,000 | 45,000 | 65,000 | 86,000 |
| Noninterest expense | 127,000 | 248,000 | 370,000 | 538,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 48,000 |
| Pretax income | 104,000 | 223,000 | 339,000 | 429,000 |
| Income tax | 37,000 | 76,000 | 138,000 | 178,000 |
| Net income | 67,000 | 147,000 | 201,000 | 251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,477,000 | 1,442,000 | 1,496,000 | 1,546,000 |
| Total capital | 1,643,000 | 1,603,000 | 1,660,000 | 1,717,000 |
| Risk-weighted assets | 13,216,000 | 12,827,000 | 13,074,000 | 13,583,000 |