Call reports 2003
FIRST BANK OF THE SOUTH — 2003
What FIRST BANK OF THE SOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 67,086,000 | 68,514,000 | 69,640,000 | 70,247,000 |
| Total loans | 36,622,000 | 36,837,000 | 37,437,000 | 36,530,000 |
| Allowance for loan losses | 367,000 | 405,000 | 395,000 | 377,000 |
| Securities available for sale | 16,755,000 | 19,770,000 | 20,346,000 | 20,235,000 |
| Securities held to maturity | 562,000 | 465,000 | 429,000 | 401,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,076,000 | 62,272,000 | 63,594,000 | 64,049,000 |
| Interest-bearing deposits | 50,726,000 | 51,569,000 | 52,751,000 | 52,759,000 |
| Noninterest-bearing deposits | 10,350,000 | 10,703,000 | 10,843,000 | 11,290,000 |
| Equity capital | 5,043,000 | 5,277,000 | 5,098,000 | 5,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,766,000 | 2,626,000 | 3,483,000 |
| Interest expense | 285,000 | 564,000 | 822,000 | 1,058,000 |
| Net interest income | 608,000 | 1,202,000 | 1,804,000 | 2,425,000 |
| Noninterest income | 152,000 | 308,000 | 494,000 | 657,000 |
| Noninterest expense | 675,000 | 1,295,000 | 1,946,000 | 2,699,000 |
| Provision for loan losses | 5,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 80,000 | 287,000 | 424,000 | 455,000 |
| Income tax | 1,000 | 52,000 | 89,000 | 51,000 |
| Net income | 79,000 | 235,000 | 335,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,873,000 | 5,029,000 | 5,128,000 | 5,198,000 |
| Total capital | 5,240,000 | 5,434,000 | 5,523,000 | 5,575,000 |
| Risk-weighted assets | 40,815,000 | 40,565,000 | 41,961,000 | 42,074,000 |
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