Call reports 2002
INSOUTH BANK — 2002
What INSOUTH BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 487,673,000 | 464,723,000 | 496,951,000 | 528,870,000 |
| Total loans | 353,819,000 | 356,374,000 | 392,535,000 | 419,752,000 |
| Allowance for loan losses | 5,562,000 | 5,501,000 | 4,698,000 | 3,366,000 |
| Securities available for sale | 47,473,000 | 43,979,000 | 41,741,000 | 42,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,548,000 | 405,780,000 | 413,200,000 | 484,898,000 |
| Interest-bearing deposits | 399,121,000 | 362,289,000 | 380,723,000 | 448,178,000 |
| Noninterest-bearing deposits | 45,427,000 | 43,491,000 | 32,477,000 | 36,720,000 |
| Equity capital | 38,003,000 | 38,326,000 | 38,328,000 | 38,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,390,000 | 14,136,000 | 21,208,000 | 29,454,000 |
| Interest expense | 3,810,000 | 7,025,000 | 10,032,000 | 13,230,000 |
| Net interest income | 3,580,000 | 7,111,000 | 11,176,000 | 16,224,000 |
| Noninterest income | 820,000 | 1,645,000 | 2,452,000 | 3,501,000 |
| Noninterest expense | 4,723,000 | 9,291,000 | 14,264,000 | 19,718,000 |
| Provision for loan losses | 16,000 | 21,000 | 126,000 | 111,000 |
| Pretax income | -242,000 | -395,000 | -510,000 | 148,000 |
| Income tax | -156,000 | -273,000 | -426,000 | -589,000 |
| Net income | -86,000 | -122,000 | -84,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,287,000 | 37,208,000 | 37,567,000 | 38,638,000 |
| Total capital | 40,446,000 | 40,422,000 | 41,011,000 | 41,225,000 |
| Risk-weighted assets | 320,575,000 | 326,569,000 | 337,389,000 | 347,787,000 |