Call reports 2007
INSOUTH BANK — 2007
What INSOUTH BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 571,029,000 | 552,987,000 | 547,847,000 | 596,274,000 |
| Total loans | 434,936,000 | 408,698,000 | 403,111,000 | 457,883,000 |
| Allowance for loan losses | 3,481,000 | 3,850,000 | 4,654,000 | 6,029,000 |
| Securities available for sale | 83,109,000 | 82,148,000 | 84,242,000 | 70,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 360,739,000 | 377,621,000 | 388,227,000 | 482,521,000 |
| Interest-bearing deposits | 319,155,000 | 335,979,000 | 348,137,000 | 443,900,000 |
| Noninterest-bearing deposits | 41,584,000 | 41,642,000 | 40,090,000 | 38,621,000 |
| Equity capital | 47,903,000 | 46,000,000 | 46,112,000 | 43,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 9,615,000 | 18,815,000 | 29,603,000 | 39,920,000 |
| Interest expense | 4,568,000 | 9,690,000 | 14,677,000 | 20,161,000 |
| Net interest income | 5,047,000 | 9,125,000 | 14,926,000 | 19,759,000 |
| Noninterest income | 874,000 | 1,942,000 | 3,125,000 | 3,807,000 |
| Noninterest expense | 4,148,000 | 8,857,000 | 14,502,000 | 22,076,000 |
| Provision for loan losses | -22,000 | 363,000 | 1,505,000 | 5,380,000 |
| Pretax income | 1,850,000 | 1,902,000 | 2,099,000 | -3,697,000 |
| Income tax | 620,000 | 511,000 | 477,000 | -1,946,000 |
| Net income | 1,230,000 | 1,391,000 | 1,622,000 | -1,751,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,049,000 | 47,310,000 | 46,641,000 | 43,269,000 |
| Total capital | 50,716,000 | 50,373,000 | 50,575,000 | 48,196,000 |
| Risk-weighted assets | 420,451,000 | 418,878,000 | 419,979,000 | 449,548,000 |