Call reports 2004
FIRST SOUTH BANK — 2004
What FIRST SOUTH BANK 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 | 244,887,000 | 250,163,000 | 256,150,000 | 261,484,000 |
| Total loans | 170,949,000 | 177,490,000 | 183,585,000 | 179,791,000 |
| Allowance for loan losses | 2,608,000 | 2,498,000 | 2,539,000 | 2,574,000 |
| Securities available for sale | 49,808,000 | 46,381,000 | 43,549,000 | 59,364,000 |
| Securities held to maturity | 3,512,000 | 2,380,000 | 2,335,000 | 2,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,269,000 | 219,467,000 | 228,359,000 | 231,697,000 |
| Interest-bearing deposits | 194,138,000 | 194,731,000 | 203,078,000 | 204,251,000 |
| Noninterest-bearing deposits | 23,131,000 | 24,736,000 | 25,281,000 | 27,446,000 |
| Equity capital | 22,970,000 | 21,980,000 | 23,418,000 | 24,073,000 |
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 | 3,196,000 | 6,423,000 | 9,790,000 | 13,324,000 |
| Interest expense | 875,000 | 1,661,000 | 2,517,000 | 3,452,000 |
| Net interest income | 2,321,000 | 4,762,000 | 7,273,000 | 9,872,000 |
| Noninterest income | 1,053,000 | 2,135,000 | 3,238,000 | 4,182,000 |
| Noninterest expense | 2,105,000 | 4,375,000 | 6,712,000 | 8,988,000 |
| Provision for loan losses | 155,000 | 308,000 | 363,000 | 367,000 |
| Pretax income | 1,114,000 | 2,214,000 | 3,434,000 | 4,699,000 |
| Income tax | 59,000 | 121,000 | 200,000 | 287,000 |
| Net income | 1,055,000 | 2,093,000 | 3,234,000 | 4,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,896,000 | 21,170,000 | 21,947,000 | 22,875,000 |
| Total capital | 23,044,000 | 23,408,000 | 24,223,000 | 25,150,000 |
| Risk-weighted assets | 171,376,000 | 178,775,000 | 181,846,000 | 181,736,000 |
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