Call reports 2004
INSOUTH BANK — 2004
What INSOUTH BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 485,567,000 | 493,948,000 | 494,209,000 | 483,579,000 |
| Total loans | 369,036,000 | 383,633,000 | 380,574,000 | 370,541,000 |
| Allowance for loan losses | 2,560,000 | 2,649,000 | 2,749,000 | 2,467,000 |
| Securities available for sale | 53,817,000 | 49,458,000 | 51,487,000 | 55,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 349,896,000 | 353,441,000 | 346,735,000 | 332,351,000 |
| Interest-bearing deposits | 308,046,000 | 310,363,000 | 304,436,000 | 290,780,000 |
| Noninterest-bearing deposits | 41,850,000 | 43,078,000 | 42,299,000 | 41,571,000 |
| Equity capital | 40,046,000 | 40,202,000 | 41,090,000 | 42,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,349,000 | 13,315,000 | 20,247,000 | 27,284,000 |
| Interest expense | 1,539,000 | 3,125,000 | 4,943,000 | 6,932,000 |
| Net interest income | 4,810,000 | 10,190,000 | 15,304,000 | 20,352,000 |
| Noninterest income | 1,028,000 | 2,272,000 | 3,469,000 | 4,756,000 |
| Noninterest expense | 4,303,000 | 8,741,000 | 12,976,000 | 16,744,000 |
| Provision for loan losses | 95,000 | 295,000 | 437,000 | 607,000 |
| Pretax income | 1,440,000 | 3,426,000 | 5,371,000 | 7,768,000 |
| Income tax | 490,000 | 1,182,000 | 1,864,000 | 2,653,000 |
| Net income | 950,000 | 2,244,000 | 3,507,000 | 5,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,631,000 | 40,325,000 | 40,988,000 | 42,001,000 |
| Total capital | 41,583,000 | 42,333,000 | 43,038,000 | 43,783,000 |
| Risk-weighted assets | 332,039,000 | 339,581,000 | 338,167,000 | 331,183,000 |