Call reports 2010
ONESOUTH BANK — 2010
What ONESOUTH BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 81,102,000 | 90,020,000 | 88,557,000 | 84,029,000 |
| Total loans | 59,690,000 | 71,028,000 | 70,466,000 | 60,709,000 |
| Allowance for loan losses | 884,000 | 945,000 | 1,821,000 | 1,278,000 |
| Securities available for sale | 11,270,000 | 9,971,000 | 8,457,000 | 8,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,587,000 | 75,160,000 | 74,428,000 | 73,828,000 |
| Interest-bearing deposits | 58,351,000 | 64,726,000 | 63,369,000 | 60,871,000 |
| Noninterest-bearing deposits | 11,235,000 | 10,434,000 | 11,059,000 | 12,957,000 |
| Equity capital | 9,167,000 | 9,362,000 | 8,854,000 | 9,022,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 972,000 | 2,063,000 | 3,241,000 | 4,276,000 |
| Interest expense | 249,000 | 493,000 | 733,000 | 972,000 |
| Net interest income | 723,000 | 1,570,000 | 2,508,000 | 3,304,000 |
| Noninterest income | 241,000 | 424,000 | 604,000 | 778,000 |
| Noninterest expense | 750,000 | 1,531,000 | 2,339,000 | 3,079,000 |
| Provision for loan losses | 15,000 | 130,000 | 1,005,000 | 1,015,000 |
| Pretax income | 267,000 | 401,000 | -164,000 | 56,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 401,000 | -164,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,957,000 | 9,090,000 | 8,526,000 | 8,745,000 |
| Total capital | 9,687,000 | 9,971,000 | 9,331,000 | 9,488,000 |
| Risk-weighted assets | 58,295,000 | 70,471,000 | 63,657,000 | 58,863,000 |