Call reports 2005
MIDSOUTH BANK, N.A. — 2005
What MIDSOUTH BANK, N.A. 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 | 504,612,000 | 511,760,000 | 538,383,000 | 554,961,000 |
| Total loans | 309,865,000 | 323,525,000 | 344,938,000 | 352,675,000 |
| Allowance for loan losses | 3,265,000 | 3,308,000 | 3,516,000 | 3,682,000 |
| Securities available for sale | 118,280,000 | 120,433,000 | 122,086,000 | 125,770,000 |
| Securities held to maturity | 21,930,000 | 21,180,000 | 20,085,000 | 19,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 450,895,000 | 464,784,000 | 490,872,000 | 505,341,000 |
| Interest-bearing deposits | 339,896,000 | 354,419,000 | 359,967,000 | 355,845,000 |
| Noninterest-bearing deposits | 110,999,000 | 110,365,000 | 130,905,000 | 149,496,000 |
| Equity capital | 40,429,000 | 43,117,000 | 44,026,000 | 44,519,000 |
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 | 7,175,000 | 14,936,000 | 23,243,000 | 32,159,000 |
| Interest expense | 1,702,000 | 3,616,000 | 5,958,000 | 8,415,000 |
| Net interest income | 5,473,000 | 11,320,000 | 17,285,000 | 23,744,000 |
| Noninterest income | 2,740,000 | 5,336,000 | 7,703,000 | 10,041,000 |
| Noninterest expense | 5,195,000 | 10,569,000 | 16,110,000 | 22,020,000 |
| Provision for loan losses | 300,000 | 400,000 | 700,000 | 950,000 |
| Pretax income | 2,687,000 | 5,656,000 | 8,147,000 | 10,784,000 |
| Income tax | 710,000 | 1,510,000 | 2,162,000 | 2,855,000 |
| Net income | 1,977,000 | 4,146,000 | 5,985,000 | 7,929,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,074,000 | 42,190,000 | 43,546,000 | 44,515,000 |
| Total capital | 43,339,000 | 45,498,000 | 47,062,000 | 48,197,000 |
| Risk-weighted assets | 353,153,000 | 366,042,000 | 392,825,000 | 407,572,000 |