Call reports 2005
BANK OF THE SOUTH — 2005
What BANK OF THE SOUTH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 285,050,000 | 348,404,000 | 354,486,000 | 375,362,000 |
| Total loans | 208,624,000 | 254,212,000 | 256,776,000 | 268,824,000 |
| Allowance for loan losses | 2,409,000 | 2,928,000 | 2,971,000 | 3,095,000 |
| Securities available for sale | 37,771,000 | 47,905,000 | 47,568,000 | 49,952,000 |
| Securities held to maturity | 5,375,000 | 6,509,000 | 8,196,000 | 9,553,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,258,000 | 302,553,000 | 307,356,000 | 326,633,000 |
| Interest-bearing deposits | 216,579,000 | 262,427,000 | 265,692,000 | 286,010,000 |
| Noninterest-bearing deposits | 30,679,000 | 40,126,000 | 41,664,000 | 40,623,000 |
| Equity capital | 25,083,000 | 32,429,000 | 33,070,000 | 33,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,643,000 | 8,075,000 | 13,335,000 | 19,124,000 |
| Interest expense | 1,219,000 | 2,778,000 | 4,739,000 | 7,091,000 |
| Net interest income | 2,424,000 | 5,297,000 | 8,596,000 | 12,033,000 |
| Noninterest income | 352,000 | 1,044,000 | 1,642,000 | 2,181,000 |
| Noninterest expense | 2,056,000 | 4,460,000 | 7,189,000 | 9,887,000 |
| Provision for loan losses | 100,000 | 200,000 | 275,000 | 418,000 |
| Pretax income | 594,000 | 1,652,000 | 2,729,000 | 3,864,000 |
| Income tax | 86,000 | 464,000 | 849,000 | 1,212,000 |
| Net income | 508,000 | 1,188,000 | 1,880,000 | 2,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,352,000 | 26,282,000 | 27,260,000 | 27,966,000 |
| Total capital | 27,761,000 | 29,210,000 | 30,231,000 | 31,061,000 |
| Risk-weighted assets | 234,963,000 | 293,561,000 | 300,653,000 | 307,572,000 |
Machine access — free, no API key
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