Call reports 2005
INSOUTH BANK — 2005
What INSOUTH BANK 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 | 457,094,000 | 495,679,000 | 514,213,000 | 502,134,000 |
| Total loans | 341,905,000 | 381,076,000 | 395,075,000 | 375,432,000 |
| Allowance for loan losses | 2,491,000 | 2,579,000 | 2,461,000 | 2,528,000 |
| Securities available for sale | 57,886,000 | 56,325,000 | 61,077,000 | 63,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,897,000 | 334,447,000 | 347,210,000 | 325,481,000 |
| Interest-bearing deposits | 277,170,000 | 294,590,000 | 303,028,000 | 285,760,000 |
| Noninterest-bearing deposits | 46,727,000 | 39,857,000 | 44,182,000 | 39,721,000 |
| Equity capital | 42,771,000 | 44,045,000 | 44,884,000 | 44,953,000 |
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 | 7,160,000 | 14,890,000 | 23,377,000 | 31,907,000 |
| Interest expense | 2,077,000 | 4,542,000 | 7,560,000 | 10,782,000 |
| Net interest income | 5,083,000 | 10,348,000 | 15,817,000 | 21,125,000 |
| Noninterest income | 1,063,000 | 2,315,000 | 3,536,000 | 4,427,000 |
| Noninterest expense | 3,744,000 | 7,599,000 | 11,580,000 | 15,383,000 |
| Provision for loan losses | 20,000 | 75,000 | 180,000 | 326,000 |
| Pretax income | 2,382,000 | 4,989,000 | 7,593,000 | 9,843,000 |
| Income tax | 876,000 | 1,835,000 | 2,790,000 | 3,598,000 |
| Net income | 1,506,000 | 3,154,000 | 4,803,000 | 6,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,777,000 | 43,865,000 | 44,845,000 | 45,416,000 |
| Total capital | 44,612,000 | 45,593,000 | 46,439,000 | 47,089,000 |
| Risk-weighted assets | 333,047,000 | 361,239,000 | 369,052,000 | 355,448,000 |