Call reports 2009
ONESOUTH BANK — 2009
What ONESOUTH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 85,357,000 | 85,656,000 | 84,628,000 | 83,212,000 |
| Total loans | 59,112,000 | 63,161,000 | 64,332,000 | 60,185,000 |
| Allowance for loan losses | 764,000 | 791,000 | 901,000 | 869,000 |
| Securities available for sale | 15,870,000 | 14,125,000 | 12,879,000 | 12,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,846,000 | 69,368,000 | 69,816,000 | 70,549,000 |
| Interest-bearing deposits | 60,792,000 | 58,867,000 | 59,146,000 | 58,467,000 |
| Noninterest-bearing deposits | 11,054,000 | 10,500,000 | 10,671,000 | 12,082,000 |
| Equity capital | 8,784,000 | 9,012,000 | 9,374,000 | 9,371,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,288,000 | 3,467,000 | 4,580,000 |
| Interest expense | 404,000 | 744,000 | 1,062,000 | 1,329,000 |
| Net interest income | 705,000 | 1,544,000 | 2,405,000 | 3,251,000 |
| Noninterest income | 167,000 | 379,000 | 536,000 | 693,000 |
| Noninterest expense | 728,000 | 1,490,000 | 2,187,000 | 2,890,000 |
| Provision for loan losses | 10,000 | 50,000 | 160,000 | 160,000 |
| Pretax income | 134,000 | 383,000 | 594,000 | 744,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | 134,000 | 383,000 | 594,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,234,000 | 8,482,000 | 8,693,000 | 8,690,000 |
| Total capital | 8,998,000 | 9,273,000 | 9,507,000 | 9,449,000 |
| Risk-weighted assets | 62,651,000 | 65,176,000 | 64,303,000 | 60,526,000 |