Call reports 2005
ONESOUTH BANK — 2005
What ONESOUTH BANK 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 | 69,049,000 | 68,795,000 | 75,652,000 | 76,624,000 |
| Total loans | 49,281,000 | 52,001,000 | 57,472,000 | 56,448,000 |
| Allowance for loan losses | 795,000 | 642,000 | 699,000 | 833,000 |
| Securities available for sale | 11,416,000 | 11,023,000 | 11,563,000 | 11,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,841,000 | 57,577,000 | 64,576,000 | 67,231,000 |
| Interest-bearing deposits | 45,380,000 | 45,894,000 | 51,616,000 | 53,210,000 |
| Noninterest-bearing deposits | 14,461,000 | 11,683,000 | 12,960,000 | 14,021,000 |
| Equity capital | 9,076,000 | 9,305,000 | 9,482,000 | 9,235,000 |
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 | 978,000 | 2,028,000 | 3,229,000 | 4,534,000 |
| Interest expense | 210,000 | 463,000 | 816,000 | 1,195,000 |
| Net interest income | 768,000 | 1,565,000 | 2,413,000 | 3,339,000 |
| Noninterest income | 142,000 | 293,000 | 437,000 | 568,000 |
| Noninterest expense | 613,000 | 1,246,000 | 1,857,000 | 2,435,000 |
| Provision for loan losses | 21,000 | 55,000 | 115,000 | 259,000 |
| Pretax income | 276,000 | 557,000 | 878,000 | 1,213,000 |
| Income tax | 3,000 | 5,000 | 8,000 | 11,000 |
| Net income | 273,000 | 552,000 | 870,000 | 1,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,899,000 | 9,080,000 | 9,300,000 | 9,129,000 |
| Total capital | 9,528,000 | 9,722,000 | 9,999,000 | 9,850,000 |
| Risk-weighted assets | 50,136,000 | 52,445,000 | 59,095,000 | 57,595,000 |