Call reports 2006
FIRST STATE BANK OF THE SOUTH, INC. — 2006
What FIRST STATE BANK OF THE SOUTH, INC. 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 | 90,099,000 | 88,649,000 | 89,925,000 | 89,360,000 |
| Total loans | 32,694,000 | 31,002,000 | 32,614,000 | 33,711,000 |
| Allowance for loan losses | 335,000 | 326,000 | 323,000 | 329,000 |
| Securities available for sale | 38,956,000 | 40,985,000 | 40,109,000 | 39,078,000 |
| Securities held to maturity | 3,550,000 | 4,662,000 | 5,577,000 | 5,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,839,000 | 75,653,000 | 76,643,000 | 75,972,000 |
| Interest-bearing deposits | 65,250,000 | 11,542,000 | 65,607,000 | 65,797,000 |
| Noninterest-bearing deposits | 11,589,000 | 64,111,000 | 11,036,000 | 10,175,000 |
| Equity capital | 9,618,000 | 9,445,000 | 10,229,000 | 10,390,000 |
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 | 1,153,000 | 2,320,000 | 3,532,000 | 4,745,000 |
| Interest expense | 553,000 | 1,120,000 | 1,767,000 | 2,460,000 |
| Net interest income | 600,000 | 1,200,000 | 1,765,000 | 2,285,000 |
| Noninterest income | 212,000 | 447,000 | 701,000 | 989,000 |
| Noninterest expense | 560,000 | 1,123,000 | 1,688,000 | 2,285,000 |
| Provision for loan losses | 0 | 12,000 | 25,000 | 79,000 |
| Pretax income | 252,000 | 512,000 | 753,000 | 910,000 |
| Income tax | 56,000 | 111,000 | 153,000 | 160,000 |
| Net income | 196,000 | 401,000 | 600,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,272,000 | 10,477,000 | 10,676,000 | 10,826,000 |
| Total capital | 10,607,000 | 10,803,000 | 10,999,000 | 11,155,000 |
| Risk-weighted assets | 49,806,000 | 49,900,000 | 50,277,000 | 50,312,000 |