Call reports 2004
FIRST BANK OF THE SOUTH — 2004
What FIRST BANK OF THE SOUTH 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 | 70,536,000 | 68,097,000 | 67,908,000 | 72,588,000 |
| Total loans | 37,356,000 | 37,292,000 | 38,952,000 | 41,017,000 |
| Allowance for loan losses | 361,000 | 352,000 | 364,000 | 382,000 |
| Securities available for sale | 22,210,000 | 19,818,000 | 19,338,000 | 18,409,000 |
| Securities held to maturity | 394,000 | 383,000 | 380,000 | 357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,190,000 | 62,059,000 | 61,496,000 | 66,295,000 |
| Interest-bearing deposits | 52,383,000 | 50,673,000 | 50,478,000 | 53,097,000 |
| Noninterest-bearing deposits | 11,807,000 | 11,386,000 | 11,018,000 | 13,198,000 |
| Equity capital | 5,354,000 | 5,060,000 | 5,416,000 | 5,295,000 |
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 | 840,000 | 1,662,000 | 2,502,000 | 3,366,000 |
| Interest expense | 222,000 | 427,000 | 632,000 | 858,000 |
| Net interest income | 618,000 | 1,235,000 | 1,870,000 | 2,508,000 |
| Noninterest income | 154,000 | 316,000 | 479,000 | 635,000 |
| Noninterest expense | 599,000 | 1,205,000 | 1,857,000 | 2,623,000 |
| Provision for loan losses | 52,000 | 67,000 | 77,000 | 178,000 |
| Pretax income | 121,000 | 347,000 | 483,000 | 451,000 |
| Income tax | 23,000 | 84,000 | 116,000 | 99,000 |
| Net income | 98,000 | 263,000 | 367,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,185,000 | 5,351,000 | 5,454,000 | 5,440,000 |
| Total capital | 5,546,000 | 5,703,000 | 5,818,000 | 5,822,000 |
| Risk-weighted assets | 42,740,000 | 41,799,000 | 43,156,000 | 44,822,000 |
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