Call reports 2007
ONESOUTH BANK — 2007
What ONESOUTH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,038,000 | 78,439,000 | 83,702,000 | 85,087,000 |
| Total loans | 54,151,000 | 58,818,000 | 60,279,000 | 59,242,000 |
| Allowance for loan losses | 915,000 | 913,000 | 853,000 | 855,000 |
| Securities available for sale | 13,789,000 | 12,903,000 | 11,928,000 | 17,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,529,000 | 68,519,000 | 73,446,000 | 73,833,000 |
| Interest-bearing deposits | 59,007,000 | 58,896,000 | 63,190,000 | 62,999,000 |
| Noninterest-bearing deposits | 10,522,000 | 9,623,000 | 10,256,000 | 10,834,000 |
| Equity capital | 10,015,000 | 9,324,000 | 9,561,000 | 9,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 3,005,000 | 4,501,000 | 6,024,000 |
| Interest expense | 626,000 | 1,269,000 | 1,908,000 | 2,529,000 |
| Net interest income | 865,000 | 1,736,000 | 2,593,000 | 3,495,000 |
| Noninterest income | 134,000 | 276,000 | 412,000 | 573,000 |
| Noninterest expense | 696,000 | 1,353,000 | 2,066,000 | 2,860,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 303,000 | 659,000 | 939,000 | 1,058,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 300,000 | 653,000 | 930,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,835,000 | 9,206,000 | 9,348,000 | 9,129,000 |
| Total capital | 10,546,000 | 9,963,000 | 10,134,000 | 9,898,000 |
| Risk-weighted assets | 56,661,000 | 60,381,000 | 62,940,000 | 61,396,000 |