Call reports 2007
FIRST BANK OF THE SOUTH — 2007
What FIRST BANK OF THE SOUTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 76,943,000 | 77,480,000 | 79,512,000 | 79,979,000 |
| Total loans | 48,433,000 | 49,363,000 | 49,934,000 | 50,380,000 |
| Allowance for loan losses | 408,000 | 429,000 | 434,000 | 406,000 |
| Securities available for sale | 16,735,000 | 16,047,000 | 15,737,000 | 15,653,000 |
| Securities held to maturity | 519,000 | 512,000 | 511,000 | 480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,500,000 | 71,015,000 | 72,849,000 | 73,125,000 |
| Interest-bearing deposits | 55,288,000 | 56,260,000 | 57,557,000 | 57,637,000 |
| Noninterest-bearing deposits | 15,212,000 | 14,755,000 | 15,292,000 | 15,488,000 |
| Equity capital | 5,147,000 | 5,190,000 | 5,451,000 | 5,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,506,000 | 3,822,000 | 5,158,000 |
| Interest expense | 472,000 | 976,000 | 1,502,000 | 2,027,000 |
| Net interest income | 752,000 | 1,530,000 | 2,320,000 | 3,131,000 |
| Noninterest income | 163,000 | 332,000 | 519,000 | 687,000 |
| Noninterest expense | 668,000 | 1,356,000 | 2,142,000 | 2,928,000 |
| Provision for loan losses | 65,000 | 85,000 | 105,000 | 150,000 |
| Pretax income | 182,000 | 421,000 | 596,000 | 744,000 |
| Income tax | 46,000 | 112,000 | 156,000 | 206,000 |
| Net income | 136,000 | 309,000 | 440,000 | 538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,327,000 | 5,501,000 | 5,632,000 | 5,729,000 |
| Total capital | 5,735,000 | 5,930,000 | 6,066,000 | 6,135,000 |
| Risk-weighted assets | 50,617,000 | 52,081,000 | 52,559,000 | 52,534,000 |
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