Call reports 2004
ONESOUTH BANK — 2004
What ONESOUTH BANK 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 | 71,444,000 | 70,596,000 | 69,831,000 | 70,370,000 |
| Total loans | 46,870,000 | 53,208,000 | 50,207,000 | 47,783,000 |
| Allowance for loan losses | 726,000 | 729,000 | 815,000 | 779,000 |
| Securities available for sale | 15,250,000 | 13,060,000 | 11,910,000 | 12,072,000 |
| Securities held to maturity | 335,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,138,000 | 58,463,000 | 58,310,000 | 61,164,000 |
| Interest-bearing deposits | 50,475,000 | 46,453,000 | 45,242,000 | 46,283,000 |
| Noninterest-bearing deposits | 11,663,000 | 12,010,000 | 13,068,000 | 14,881,000 |
| Equity capital | 9,139,000 | 9,054,000 | 9,367,000 | 9,046,000 |
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 | 967,000 | 1,901,000 | 2,896,000 | 3,878,000 |
| Interest expense | 198,000 | 379,000 | 564,000 | 755,000 |
| Net interest income | 769,000 | 1,522,000 | 2,332,000 | 3,123,000 |
| Noninterest income | 156,000 | 312,000 | 463,000 | 599,000 |
| Noninterest expense | 615,000 | 1,225,000 | 1,771,000 | 2,366,000 |
| Provision for loan losses | 21,000 | 42,000 | 124,000 | 124,000 |
| Pretax income | 291,000 | 576,000 | 919,000 | 1,251,000 |
| Income tax | 1,000 | 3,000 | 6,000 | 9,000 |
| Net income | 290,000 | 573,000 | 913,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,560,000 | 8,734,000 | 8,976,000 | 8,730,000 |
| Total capital | 9,203,000 | 9,437,000 | 9,645,000 | 9,356,000 |
| Risk-weighted assets | 51,350,000 | 56,229,000 | 53,251,000 | 49,895,000 |