Call reports 2006
INSOUTH BANK — 2006
What INSOUTH BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 474,783,000 | 511,477,000 | 522,954,000 | 540,203,000 |
| Total loans | 352,659,000 | 379,544,000 | 387,447,000 | 400,596,000 |
| Allowance for loan losses | 2,686,000 | 2,712,000 | 2,755,000 | 3,522,000 |
| Securities available for sale | 72,388,000 | 75,074,000 | 79,927,000 | 78,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,577,000 | 331,957,000 | 331,862,000 | 333,149,000 |
| Interest-bearing deposits | 282,645,000 | 291,583,000 | 291,155,000 | 293,387,000 |
| Noninterest-bearing deposits | 43,932,000 | 40,374,000 | 40,707,000 | 39,762,000 |
| Equity capital | 45,331,000 | 45,101,000 | 46,741,000 | 47,476,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,029,000 | 16,810,000 | 26,182,000 | 35,925,000 |
| Interest expense | 3,127,000 | 6,809,000 | 11,096,000 | 15,638,000 |
| Net interest income | 4,902,000 | 10,001,000 | 15,086,000 | 20,287,000 |
| Noninterest income | 1,180,000 | 2,215,000 | 3,320,000 | 5,530,000 |
| Noninterest expense | 3,659,000 | 7,553,000 | 11,417,000 | 16,514,000 |
| Provision for loan losses | 215,000 | 400,000 | 447,000 | 868,000 |
| Pretax income | 2,208,000 | 4,263,000 | 6,542,000 | 8,435,000 |
| Income tax | 769,000 | 1,492,000 | 2,291,000 | 2,807,000 |
| Net income | 1,439,000 | 2,771,000 | 4,251,000 | 5,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,230,000 | 46,663,000 | 47,242,000 | 47,720,000 |
| Total capital | 47,993,000 | 48,464,000 | 48,969,000 | 50,310,000 |
| Risk-weighted assets | 352,311,000 | 379,151,000 | 388,118,000 | 398,380,000 |