Call reports 2008
FIRST BANK OF THE SOUTH — 2008
What FIRST BANK OF THE SOUTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 80,354,000 | 81,307,000 | 82,166,000 | 79,981,000 |
| Total loans | 52,018,000 | 53,816,000 | 55,811,000 | 56,824,000 |
| Allowance for loan losses | 423,000 | 415,000 | 418,000 | 420,000 |
| Securities available for sale | 16,039,000 | 13,698,000 | 13,729,000 | 12,897,000 |
| Securities held to maturity | 479,000 | 478,000 | 477,000 | 701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,419,000 | 74,453,000 | 75,198,000 | 72,827,000 |
| Interest-bearing deposits | 56,668,000 | 58,181,000 | 59,585,000 | 57,677,000 |
| Noninterest-bearing deposits | 16,751,000 | 16,272,000 | 15,613,000 | 15,150,000 |
| Equity capital | 5,724,000 | 5,644,000 | 5,763,000 | 5,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,325,000 | 2,584,000 | 3,828,000 | 5,020,000 |
| Interest expense | 497,000 | 958,000 | 1,403,000 | 1,817,000 |
| Net interest income | 828,000 | 1,626,000 | 2,425,000 | 3,203,000 |
| Noninterest income | 158,000 | 328,000 | 504,000 | 669,000 |
| Noninterest expense | 752,000 | 1,515,000 | 2,280,000 | 3,145,000 |
| Provision for loan losses | 10,000 | 82,000 | 92,000 | 114,000 |
| Pretax income | 222,000 | 392,000 | 592,000 | 656,000 |
| Income tax | 58,000 | 98,000 | 147,000 | 162,000 |
| Net income | 164,000 | 294,000 | 445,000 | 494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,687,000 | 5,816,000 | 5,967,000 | 6,016,000 |
| Total capital | 6,110,000 | 6,231,000 | 6,385,000 | 6,436,000 |
| Risk-weighted assets | 54,617,000 | 55,062,000 | 56,750,000 | 56,534,000 |
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