Call reports 2006
FIRST BANK OF THE SOUTH — 2006
What FIRST BANK OF THE SOUTH reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 71,458,000 | 71,230,000 | 72,832,000 | 72,095,000 |
| Total loans | 41,496,000 | 43,354,000 | 44,815,000 | 43,981,000 |
| Allowance for loan losses | 415,000 | 389,000 | 380,000 | 377,000 |
| Securities available for sale | 16,803,000 | 17,824,000 | 17,849,000 | 17,163,000 |
| Securities held to maturity | 300,000 | 296,000 | 292,000 | 520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,486,000 | 65,244,000 | 66,396,000 | 65,395,000 |
| Interest-bearing deposits | 51,265,000 | 51,321,000 | 52,899,000 | 51,638,000 |
| Noninterest-bearing deposits | 14,221,000 | 13,923,000 | 13,497,000 | 13,757,000 |
| Equity capital | 4,902,000 | 4,891,000 | 5,319,000 | 5,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 2,045,000 | 3,190,000 | 4,364,000 |
| Interest expense | 330,000 | 706,000 | 1,114,000 | 1,556,000 |
| Net interest income | 652,000 | 1,339,000 | 2,076,000 | 2,808,000 |
| Noninterest income | 343,000 | 530,000 | 717,000 | 884,000 |
| Noninterest expense | 823,000 | 1,473,000 | 2,142,000 | 2,853,000 |
| Provision for loan losses | 0 | 46,000 | 61,000 | 101,000 |
| Pretax income | 172,000 | 350,000 | 590,000 | 738,000 |
| Income tax | 44,000 | 94,000 | 165,000 | 204,000 |
| Net income | 128,000 | 256,000 | 425,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,281,000 | 5,408,000 | 5,578,000 | 5,686,000 |
| Total capital | 5,696,000 | 5,797,000 | 5,958,000 | 6,063,000 |
| Risk-weighted assets | 44,652,000 | 46,174,000 | 46,804,000 | 46,531,000 |
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