Call reports 2005
FIRST BANK OF THE SOUTH — 2005
What FIRST BANK OF THE SOUTH reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 420,865,000 | 442,461,000 | 464,149,000 | 470,723,000 |
| Total loans | 356,488,000 | 357,996,000 | 382,307,000 | 404,994,000 |
| Allowance for loan losses | 5,213,000 | 5,424,000 | 5,574,000 | 5,714,000 |
| Securities available for sale | 24,335,000 | 24,054,000 | 23,590,000 | 28,201,000 |
| Securities held to maturity | 1,801,000 | 1,800,000 | 1,799,000 | 1,799,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,889,000 | 389,309,000 | 408,597,000 | 424,052,000 |
| Interest-bearing deposits | 288,614,000 | 305,785,000 | 378,673,000 | 390,215,000 |
| Noninterest-bearing deposits | 81,274,000 | 83,524,000 | 29,924,000 | 33,837,000 |
| Equity capital | 38,561,000 | 40,625,000 | 42,658,000 | 40,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,175,000 | 12,948,000 | 20,385,000 | 28,553,000 |
| Interest expense | 1,520,000 | 3,475,000 | 5,702,000 | 8,186,000 |
| Net interest income | 4,655,000 | 9,473,000 | 14,683,000 | 20,367,000 |
| Noninterest income | 263,000 | 597,000 | 821,000 | 1,035,000 |
| Noninterest expense | 1,827,000 | 3,650,000 | 5,615,000 | 7,730,000 |
| Provision for loan losses | 280,000 | 470,000 | 620,000 | 770,000 |
| Pretax income | 2,804,000 | 5,943,000 | 9,262,000 | 12,593,000 |
| Income tax | 1,036,000 | 2,191,000 | 3,419,000 | 4,609,000 |
| Net income | 1,768,000 | 3,752,000 | 5,843,000 | 7,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,750,000 | 40,734,000 | 42,825,000 | 41,016,000 |
| Total capital | 43,652,000 | 45,741,000 | 48,132,000 | 46,494,000 |
| Risk-weighted assets | 391,822,000 | 400,076,000 | 424,300,000 | 439,022,000 |