Call reports 2003
ONESOUTH BANK — 2003
What ONESOUTH BANK 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 | 71,691,000 | 70,504,000 | 72,746,000 | 73,643,000 |
| Total loans | 40,554,000 | 43,348,000 | 47,699,000 | 46,708,000 |
| Allowance for loan losses | 614,000 | 632,000 | 674,000 | 707,000 |
| Securities available for sale | 18,470,000 | 18,984,000 | 17,319,000 | 16,398,000 |
| Securities held to maturity | 691,000 | 491,000 | 491,000 | 491,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,705,000 | 61,265,000 | 62,004,000 | 64,536,000 |
| Interest-bearing deposits | 50,451,000 | 50,645,000 | 49,380,000 | 50,543,000 |
| Noninterest-bearing deposits | 12,254,000 | 10,620,000 | 12,624,000 | 13,993,000 |
| Equity capital | 8,813,000 | 9,033,000 | 9,049,000 | 8,902,000 |
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 | 922,000 | 1,859,000 | 2,819,000 | 3,774,000 |
| Interest expense | 265,000 | 521,000 | 754,000 | 974,000 |
| Net interest income | 657,000 | 1,338,000 | 2,065,000 | 2,800,000 |
| Noninterest income | 130,000 | 230,000 | 341,000 | 495,000 |
| Noninterest expense | 515,000 | 1,038,000 | 1,556,000 | 2,068,000 |
| Provision for loan losses | 18,000 | 36,000 | 98,000 | 135,000 |
| Pretax income | 254,000 | 494,000 | 752,000 | 1,093,000 |
| Income tax | 2,000 | 12,000 | 15,000 | 20,000 |
| Net income | 252,000 | 482,000 | 737,000 | 1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,246,000 | 8,377,000 | 8,534,000 | 8,368,000 |
| Total capital | 8,810,000 | 8,988,000 | 9,185,000 | 9,008,000 |
| Risk-weighted assets | 45,086,000 | 48,879,000 | 52,085,000 | 51,122,000 |