Call reports 2010
FIRST SOUTH BANK — 2010
What FIRST SOUTH BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 431,161,000 | 432,876,000 | 434,530,000 | 443,419,000 |
| Total loans | 267,583,000 | 276,929,000 | 279,784,000 | 261,519,000 |
| Allowance for loan losses | 3,804,000 | 4,029,000 | 4,320,000 | 4,663,000 |
| Securities available for sale | 91,919,000 | 91,371,000 | 99,776,000 | 126,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,960,000 | 355,050,000 | 354,862,000 | 359,475,000 |
| Interest-bearing deposits | 312,528,000 | 311,557,000 | 312,836,000 | 308,580,000 |
| Noninterest-bearing deposits | 41,432,000 | 43,493,000 | 42,026,000 | 50,895,000 |
| Equity capital | 46,731,000 | 47,183,000 | 48,110,000 | 46,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,203,000 | 10,437,000 | 15,765,000 | 20,751,000 |
| Interest expense | 1,417,000 | 2,825,000 | 4,173,000 | 5,352,000 |
| Net interest income | 3,786,000 | 7,612,000 | 11,592,000 | 15,399,000 |
| Noninterest income | 1,208,000 | 2,479,000 | 3,810,000 | 5,011,000 |
| Noninterest expense | 3,351,000 | 6,708,000 | 10,084,000 | 13,145,000 |
| Provision for loan losses | 356,000 | 1,256,000 | 1,943,000 | 4,260,000 |
| Pretax income | 1,287,000 | 2,154,000 | 3,402,000 | 3,032,000 |
| Income tax | 83,000 | 148,000 | 240,000 | 104,000 |
| Net income | 1,204,000 | 2,006,000 | 3,162,000 | 2,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,339,000 | 37,214,000 | 37,665,000 | 37,325,000 |
| Total capital | 40,772,000 | 40,701,000 | 41,210,000 | 40,765,000 |
| Risk-weighted assets | 274,280,000 | 278,391,000 | 284,989,000 | 273,990,000 |
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