Call reports 2011
FIRST STATE BANK OF THE SOUTH, INC. — 2011
What FIRST STATE BANK OF THE SOUTH, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,866,000 | 96,985,000 | 96,264,000 | 97,135,000 |
| Total loans | 34,846,000 | 35,105,000 | 35,216,000 | 35,309,000 |
| Allowance for loan losses | 301,000 | 340,000 | 338,000 | 309,000 |
| Securities available for sale | 35,092,000 | 37,186,000 | 34,458,000 | 37,127,000 |
| Securities held to maturity | 8,683,000 | 8,661,000 | 8,574,000 | 8,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,615,000 | 81,214,000 | 79,754,000 | 80,562,000 |
| Interest-bearing deposits | 69,391,000 | 68,914,000 | 67,738,000 | 68,395,000 |
| Noninterest-bearing deposits | 11,224,000 | 12,300,000 | 12,016,000 | 12,167,000 |
| Equity capital | 12,974,000 | 13,483,000 | 14,129,000 | 14,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,090,000 | 3,134,000 | 4,135,000 |
| Interest expense | 228,000 | 452,000 | 671,000 | 881,000 |
| Net interest income | 802,000 | 1,638,000 | 2,463,000 | 3,254,000 |
| Noninterest income | 196,000 | 399,000 | 616,000 | 849,000 |
| Noninterest expense | 741,000 | 1,476,000 | 2,180,000 | 2,915,000 |
| Provision for loan losses | 15,000 | 83,000 | 83,000 | 83,000 |
| Pretax income | 244,000 | 581,000 | 930,000 | 1,219,000 |
| Income tax | 30,000 | 94,000 | 159,000 | 204,000 |
| Net income | 214,000 | 487,000 | 771,000 | 1,015,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,959,000 | 12,902,000 | 13,186,000 | 13,431,000 |
| Total capital | 13,260,000 | 13,242,000 | 13,524,000 | 13,740,000 |
| Risk-weighted assets | 56,454,000 | 57,725,000 | 56,997,000 | 56,125,000 |