Call reports 2009
FIRST SOUTH BANK — 2009
What FIRST SOUTH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 401,711,000 | 409,022,000 | 403,418,000 | 432,937,000 |
| Total loans | 269,301,000 | 280,568,000 | 281,959,000 | 274,437,000 |
| Allowance for loan losses | 3,287,000 | 3,704,000 | 3,780,000 | 3,658,000 |
| Securities available for sale | 77,890,000 | 78,112,000 | 80,675,000 | 90,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,799,000 | 336,396,000 | 327,252,000 | 357,553,000 |
| Interest-bearing deposits | 287,615,000 | 296,435,000 | 289,310,000 | 303,853,000 |
| Noninterest-bearing deposits | 41,184,000 | 39,961,000 | 37,942,000 | 53,700,000 |
| Equity capital | 43,913,000 | 42,823,000 | 45,183,000 | 45,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,202,000 | 10,567,000 | 16,065,000 | 21,441,000 |
| Interest expense | 1,853,000 | 3,578,000 | 5,149,000 | 6,601,000 |
| Net interest income | 3,349,000 | 6,989,000 | 10,916,000 | 14,840,000 |
| Noninterest income | 1,364,000 | 2,833,000 | 4,129,000 | 5,477,000 |
| Noninterest expense | 3,324,000 | 6,694,000 | 10,091,000 | 13,621,000 |
| Provision for loan losses | 197,000 | 1,141,000 | 1,240,000 | 1,549,000 |
| Pretax income | 1,191,000 | 1,739,000 | 3,466,000 | 4,899,000 |
| Income tax | 86,000 | 138,000 | 237,000 | 272,000 |
| Net income | 1,105,000 | 1,601,000 | 3,229,000 | 4,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,932,000 | 34,557,000 | 35,501,000 | 36,675,000 |
| Total capital | 38,219,000 | 38,114,000 | 39,054,000 | 40,211,000 |
| Risk-weighted assets | 277,436,000 | 284,450,000 | 284,028,000 | 282,870,000 |
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