Call reports 2006
ONESOUTH BANK — 2006
What ONESOUTH BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 71,378,000 | 76,142,000 | 76,009,000 | 77,513,000 |
| Total loans | 52,093,000 | 58,270,000 | 58,707,000 | 54,098,000 |
| Allowance for loan losses | 836,000 | 844,000 | 1,134,000 | 920,000 |
| Securities available for sale | 12,633,000 | 12,402,000 | 11,307,000 | 10,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,650,000 | 61,456,000 | 65,281,000 | 67,288,000 |
| Interest-bearing deposits | 48,543,000 | 50,732,000 | 53,864,000 | 56,994,000 |
| Noninterest-bearing deposits | 13,107,000 | 10,724,000 | 11,417,000 | 10,294,000 |
| Equity capital | 9,521,000 | 10,223,000 | 10,343,000 | 9,819,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,302,000 | 2,631,000 | 4,061,000 | 5,514,000 |
| Interest expense | 395,000 | 792,000 | 1,349,000 | 1,938,000 |
| Net interest income | 907,000 | 1,839,000 | 2,712,000 | 3,576,000 |
| Noninterest income | 143,000 | 724,000 | 856,000 | 986,000 |
| Noninterest expense | 603,000 | 1,241,000 | 1,847,000 | 2,655,000 |
| Provision for loan losses | 7,000 | 7,000 | 307,000 | 157,000 |
| Pretax income | 429,000 | 1,304,000 | 1,403,000 | 1,739,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 426,000 | 1,298,000 | 1,395,000 | 1,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,452,000 | 10,215,000 | 10,213,000 | 9,664,000 |
| Total capital | 10,114,000 | 10,943,000 | 10,951,000 | 10,333,000 |
| Risk-weighted assets | 52,823,000 | 58,097,000 | 58,633,000 | 55,362,000 |