Call reports 2004
BANK OF THE SOUTH — 2004
What BANK OF THE SOUTH 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 | 227,579,000 | 244,139,000 | 260,634,000 | 265,353,000 |
| Total loans | 162,163,000 | 173,653,000 | 191,780,000 | 198,253,000 |
| Allowance for loan losses | 2,029,000 | 1,997,000 | 2,113,000 | 2,308,000 |
| Securities available for sale | 38,410,000 | 39,005,000 | 43,114,000 | 39,982,000 |
| Securities held to maturity | 0 | 3,297,000 | 3,301,000 | 3,842,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,979,000 | 216,567,000 | 226,333,000 | 228,601,000 |
| Interest-bearing deposits | 176,867,000 | 190,601,000 | 193,978,000 | 198,932,000 |
| Noninterest-bearing deposits | 20,112,000 | 25,966,000 | 32,355,000 | 29,669,000 |
| Equity capital | 23,411,000 | 22,821,000 | 24,000,000 | 24,601,000 |
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 | 2,773,000 | 5,673,000 | 8,877,000 | 12,396,000 |
| Interest expense | 840,000 | 1,752,000 | 2,728,000 | 3,788,000 |
| Net interest income | 1,933,000 | 3,921,000 | 6,149,000 | 8,608,000 |
| Noninterest income | 255,000 | 668,000 | 1,051,000 | 1,405,000 |
| Noninterest expense | 1,769,000 | 3,825,000 | 5,788,000 | 7,816,000 |
| Provision for loan losses | 118,000 | 118,000 | 235,000 | 477,000 |
| Pretax income | 298,000 | 626,000 | 1,157,000 | 1,700,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 298,000 | 626,000 | 1,157,000 | 1,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,094,000 | 23,437,000 | 24,000,000 | 24,685,000 |
| Total capital | 25,123,000 | 25,434,000 | 26,113,000 | 26,993,000 |
| Risk-weighted assets | 185,176,000 | 201,033,000 | 217,316,000 | 223,924,000 |
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