Call reports 2003
INSOUTH BANK — 2003
What INSOUTH BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 532,893,000 | 535,622,000 | 502,830,000 | 469,266,000 |
| Total loans | 377,263,000 | 412,808,000 | 385,465,000 | 358,784,000 |
| Allowance for loan losses | 3,299,000 | 3,419,000 | 2,468,000 | 2,675,000 |
| Securities available for sale | 53,935,000 | 48,907,000 | 49,135,000 | 50,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,946,000 | 476,299,000 | 387,040,000 | 355,693,000 |
| Interest-bearing deposits | 454,739,000 | 440,014,000 | 349,470,000 | 316,290,000 |
| Noninterest-bearing deposits | 35,207,000 | 36,285,000 | 37,570,000 | 39,403,000 |
| Equity capital | 38,972,000 | 39,275,000 | 40,389,000 | 39,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,482,000 | 15,131,000 | 22,956,000 | 29,719,000 |
| Interest expense | 3,136,000 | 6,097,000 | 8,459,000 | 10,256,000 |
| Net interest income | 4,346,000 | 9,034,000 | 14,497,000 | 19,463,000 |
| Noninterest income | 920,000 | 1,827,000 | 3,303,000 | 4,515,000 |
| Noninterest expense | 4,390,000 | 8,628,000 | 13,698,000 | 18,691,000 |
| Provision for loan losses | 52,000 | 113,000 | 183,000 | 643,000 |
| Pretax income | 824,000 | 2,120,000 | 3,919,000 | 4,644,000 |
| Income tax | 209,000 | 620,000 | 1,217,000 | 1,601,000 |
| Net income | 615,000 | 1,500,000 | 2,702,000 | 3,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,653,000 | 39,388,000 | 40,590,000 | 39,731,000 |
| Total capital | 41,200,000 | 42,063,000 | 42,432,000 | 41,824,000 |
| Risk-weighted assets | 334,701,000 | 346,404,000 | 333,740,000 | 322,442,000 |