Call reports 2001
FIRST STATE BANK OF THE SOUTH, INC. — 2001
What FIRST STATE BANK OF THE SOUTH, INC. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 93,396,000 | 94,506,000 | 92,086,000 | 86,943,000 |
| Total loans | 28,677,000 | 29,532,000 | 29,094,000 | 27,325,000 |
| Allowance for loan losses | 529,000 | 480,000 | 433,000 | 404,000 |
| Securities available for sale | 49,491,000 | 50,281,000 | 46,490,000 | 48,050,000 |
| Securities held to maturity | 2,815,000 | 2,801,000 | 1,815,000 | 2,330,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,294,000 | 85,288,000 | 82,140,000 | 77,616,000 |
| Interest-bearing deposits | 76,320,000 | 76,678,000 | 73,531,000 | 70,728,000 |
| Noninterest-bearing deposits | 7,974,000 | 8,610,000 | 8,609,000 | 6,888,000 |
| Equity capital | 8,521,000 | 8,705,000 | 9,312,000 | 8,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,608,000 | 3,242,000 | 4,810,000 | 6,261,000 |
| Interest expense | 1,085,000 | 2,103,000 | 3,002,000 | 3,755,000 |
| Net interest income | 523,000 | 1,139,000 | 1,808,000 | 2,506,000 |
| Noninterest income | 171,000 | 314,000 | 484,000 | 675,000 |
| Noninterest expense | 603,000 | 1,109,000 | 1,639,000 | 2,236,000 |
| Provision for loan losses | 0 | 0 | 3,000 | 4,000 |
| Pretax income | 91,000 | 344,000 | 653,000 | 948,000 |
| Income tax | 26,000 | 99,000 | 153,000 | 248,000 |
| Net income | 65,000 | 245,000 | 500,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,552,000 | 8,721,000 | 8,977,000 | 9,032,000 |
| Total capital | 9,081,000 | 9,201,000 | 9,410,000 | 9,436,000 |
| Risk-weighted assets | 43,383,000 | 45,646,000 | 47,614,000 | 45,400,000 |