Call reports 2012
FIRST STATE BANK OF THE SOUTH, INC. — 2012
What FIRST STATE BANK OF THE SOUTH, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 98,477,000 | 99,216,000 | 97,580,000 | 97,508,000 |
| Total loans | 35,421,000 | 34,439,000 | 33,878,000 | 34,313,000 |
| Allowance for loan losses | 304,000 | 321,000 | 310,000 | 243,000 |
| Securities available for sale | 38,297,000 | 37,233,000 | 41,423,000 | 40,843,000 |
| Securities held to maturity | 8,565,000 | 7,717,000 | 7,552,000 | 7,266,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,830,000 | 82,130,000 | 80,148,000 | 80,409,000 |
| Interest-bearing deposits | 68,975,000 | 68,005,000 | 66,228,000 | 65,674,000 |
| Noninterest-bearing deposits | 12,855,000 | 14,125,000 | 13,920,000 | 14,735,000 |
| Equity capital | 14,337,000 | 14,795,000 | 15,118,000 | 14,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 1,953,000 | 2,863,000 | 3,768,000 |
| Interest expense | 200,000 | 383,000 | 555,000 | 717,000 |
| Net interest income | 782,000 | 1,570,000 | 2,308,000 | 3,051,000 |
| Noninterest income | 203,000 | 410,000 | 623,000 | 868,000 |
| Noninterest expense | 708,000 | 1,470,000 | 2,169,000 | 2,898,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 35,000 |
| Pretax income | 277,000 | 583,000 | 835,000 | 1,084,000 |
| Income tax | 44,000 | 101,000 | 139,000 | 178,000 |
| Net income | 233,000 | 482,000 | 696,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,349,000 | 13,597,000 | 13,811,000 | 13,706,000 |
| Total capital | 13,653,000 | 13,918,000 | 14,121,000 | 13,949,000 |
| Risk-weighted assets | 56,455,000 | 55,167,000 | 53,931,000 | 54,698,000 |