Call reports 2005
FIRST BANK OF THE SOUTH — 2005
What FIRST BANK OF THE SOUTH 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 | 70,423,000 | 69,036,000 | 70,390,000 | 68,990,000 |
| Total loans | 41,514,000 | 41,080,000 | 41,098,000 | 40,411,000 |
| Allowance for loan losses | 391,000 | 377,000 | 418,000 | 411,000 |
| Securities available for sale | 17,983,000 | 16,522,000 | 15,478,000 | 16,038,000 |
| Securities held to maturity | 354,000 | 352,000 | 336,000 | 302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,343,000 | 62,705,000 | 64,034,000 | 62,616,000 |
| Interest-bearing deposits | 51,943,000 | 50,069,000 | 51,108,000 | 49,285,000 |
| Noninterest-bearing deposits | 12,400,000 | 12,636,000 | 12,926,000 | 13,331,000 |
| Equity capital | 5,041,000 | 5,302,000 | 5,304,000 | 5,349,000 |
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 | 861,000 | 1,775,000 | 2,719,000 | 3,679,000 |
| Interest expense | 230,000 | 475,000 | 751,000 | 1,050,000 |
| Net interest income | 631,000 | 1,300,000 | 1,968,000 | 2,629,000 |
| Noninterest income | 127,000 | 303,000 | 472,000 | 625,000 |
| Noninterest expense | 599,000 | 1,247,000 | 1,914,000 | 2,582,000 |
| Provision for loan losses | 0 | 31,000 | 89,000 | 100,000 |
| Pretax income | 159,000 | 325,000 | 450,000 | 585,000 |
| Income tax | 49,000 | 101,000 | 132,000 | 157,000 |
| Net income | 110,000 | 224,000 | 318,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,329,000 | 5,444,000 | 5,537,000 | 5,647,000 |
| Total capital | 5,720,000 | 5,821,000 | 5,955,000 | 6,058,000 |
| Risk-weighted assets | 44,370,000 | 43,540,000 | 43,899,000 | 43,351,000 |
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