Call reports 2004
MIDSOUTH BANK, N.A. — 2004
What MIDSOUTH BANK, N.A. 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 | 454,682,000 | 476,996,000 | 501,793,000 | 486,832,000 |
| Total loans | 264,148,000 | 279,403,000 | 294,066,000 | 307,169,000 |
| Allowance for loan losses | 2,783,000 | 2,914,000 | 2,922,000 | 3,023,000 |
| Securities available for sale | 116,538,000 | 131,434,000 | 133,752,000 | 123,308,000 |
| Securities held to maturity | 23,368,000 | 23,133,000 | 23,133,000 | 22,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,123,000 | 434,018,000 | 454,703,000 | 432,756,000 |
| Interest-bearing deposits | 314,091,000 | 333,101,000 | 354,310,000 | 327,888,000 |
| Noninterest-bearing deposits | 96,032,000 | 100,917,000 | 100,393,000 | 104,868,000 |
| Equity capital | 38,545,000 | 38,095,000 | 40,418,000 | 40,387,000 |
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 | 6,127,000 | 12,474,000 | 19,288,000 | 26,245,000 |
| Interest expense | 955,000 | 2,064,000 | 3,336,000 | 4,737,000 |
| Net interest income | 5,172,000 | 10,410,000 | 15,952,000 | 21,508,000 |
| Noninterest income | 1,858,000 | 3,901,000 | 6,285,000 | 8,684,000 |
| Noninterest expense | 4,335,000 | 8,823,000 | 13,674,000 | 18,982,000 |
| Provision for loan losses | 230,000 | 480,000 | 730,000 | 1,060,000 |
| Pretax income | 2,465,000 | 5,010,000 | 7,835,000 | 10,152,000 |
| Income tax | 674,000 | 1,357,000 | 2,064,000 | 2,691,000 |
| Net income | 1,791,000 | 3,653,000 | 5,771,000 | 7,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,302,000 | 37,442,000 | 38,642,000 | 39,006,000 |
| Total capital | 39,085,000 | 40,356,000 | 41,564,000 | 42,029,000 |
| Risk-weighted assets | 299,879,000 | 312,423,000 | 331,040,000 | 343,159,000 |