Call reports 2008
MIDWEST REGIONAL BANK — 2008
What MIDWEST REGIONAL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 28,552,000 | 30,684,000 | 36,759,000 | 41,073,000 |
| Total loans | 18,488,000 | 21,200,000 | 21,897,000 | 25,302,000 |
| Allowance for loan losses | 325,000 | 365,000 | 312,000 | 402,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 299,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,611,000 | 24,049,000 | 25,049,000 | 28,413,000 |
| Interest-bearing deposits | 20,783,000 | 22,192,000 | 23,323,000 | 26,294,000 |
| Noninterest-bearing deposits | 1,828,000 | 1,857,000 | 1,726,000 | 2,119,000 |
| Equity capital | 5,747,000 | 6,494,000 | 6,576,000 | 7,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 422,000 | 869,000 | 1,315,000 | 1,786,000 |
| Interest expense | 206,000 | 419,000 | 654,000 | 912,000 |
| Net interest income | 216,000 | 450,000 | 661,000 | 874,000 |
| Noninterest income | 19,000 | -64,000 | -191,000 | -182,000 |
| Noninterest expense | 297,000 | 642,000 | 960,000 | 1,484,000 |
| Provision for loan losses | 20,000 | 110,000 | 360,000 | 522,000 |
| Pretax income | -82,000 | -366,000 | -850,000 | -1,314,000 |
| Income tax | -33,000 | -214,000 | -380,000 | -470,000 |
| Net income | -49,000 | -152,000 | -470,000 | -844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,011,000 | 3,592,000 | 3,678,000 | 4,607,000 |
| Total capital | 3,244,000 | 3,860,000 | 3,971,000 | 4,973,000 |
| Risk-weighted assets | 17,968,000 | 20,820,000 | 23,406,000 | 29,271,000 |