Call reports 2003
BANK OF THE SOUTH — 2003
What BANK OF THE SOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 179,157,000 | 192,116,000 | 196,983,000 | 209,418,000 |
| Total loans | 114,104,000 | 126,666,000 | 137,958,000 | 154,708,000 |
| Allowance for loan losses | 1,588,000 | 1,667,000 | 1,736,000 | 1,977,000 |
| Securities available for sale | 39,786,000 | 40,220,000 | 36,069,000 | 40,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,049,000 | 160,377,000 | 171,640,000 | 182,109,000 |
| Interest-bearing deposits | 131,211,000 | 140,760,000 | 155,774,000 | 163,326,000 |
| Noninterest-bearing deposits | 13,838,000 | 19,618,000 | 15,866,000 | 18,783,000 |
| Equity capital | 22,618,000 | 22,916,000 | 22,483,000 | 22,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,231,000 | 4,612,000 | 7,073,000 | 9,708,000 |
| Interest expense | 825,000 | 1,685,000 | 2,548,000 | 3,399,000 |
| Net interest income | 1,406,000 | 2,927,000 | 4,525,000 | 6,309,000 |
| Noninterest income | 253,000 | 526,000 | 834,000 | 1,112,000 |
| Noninterest expense | 1,399,000 | 2,878,000 | 4,532,000 | 6,152,000 |
| Provision for loan losses | 35,000 | 124,000 | 216,000 | 489,000 |
| Pretax income | 365,000 | 583,000 | 743,000 | 904,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 365,000 | 583,000 | 743,000 | 904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,058,000 | 22,276,000 | 22,495,000 | 22,769,000 |
| Total capital | 23,646,000 | 23,943,000 | 24,231,000 | 24,746,000 |
| Risk-weighted assets | 130,513,000 | 145,545,000 | 162,651,000 | 176,816,000 |
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