Call reports 2002
ONESOUTH BANK — 2002
What ONESOUTH BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,175,000 | 63,417,000 | 62,601,000 | 70,564,000 |
| Total loans | 36,447,000 | 38,554,000 | 41,455,000 | 39,505,000 |
| Allowance for loan losses | 579,000 | 574,000 | 623,000 | 621,000 |
| Securities available for sale | 19,020,000 | 18,367,000 | 14,900,000 | 17,768,000 |
| Securities held to maturity | 791,000 | 691,000 | 691,000 | 691,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,694,000 | 52,411,000 | 50,553,000 | 61,717,000 |
| Interest-bearing deposits | 42,118,000 | 41,279,000 | 40,591,000 | 50,380,000 |
| Noninterest-bearing deposits | 8,576,000 | 11,132,000 | 9,962,000 | 11,337,000 |
| Equity capital | 8,260,000 | 8,662,000 | 8,881,000 | 8,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 1,994,000 | 2,977,000 | 3,953,000 |
| Interest expense | 359,000 | 651,000 | 913,000 | 1,176,000 |
| Net interest income | 635,000 | 1,343,000 | 2,064,000 | 2,777,000 |
| Noninterest income | 122,000 | 234,000 | 341,000 | 454,000 |
| Noninterest expense | 498,000 | 977,000 | 1,450,000 | 1,937,000 |
| Provision for loan losses | 0 | 48,000 | 134,000 | 134,000 |
| Pretax income | 264,000 | 552,000 | 831,000 | 1,184,000 |
| Income tax | 1,000 | 16,000 | 20,000 | 25,000 |
| Net income | 263,000 | 536,000 | 811,000 | 1,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,994,000 | 8,076,000 | 8,254,000 | 8,093,000 |
| Total capital | 8,508,000 | 8,621,000 | 8,818,000 | 8,652,000 |
| Risk-weighted assets | 41,042,000 | 43,577,000 | 45,068,000 | 44,661,000 |