Call reports 2008
INSOUTH BANK — 2008
What INSOUTH BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 575,280,000 | 559,603,000 | 560,802,000 | 474,101,000 |
| Total loans | 438,789,000 | 428,390,000 | 432,400,000 | 321,118,000 |
| Allowance for loan losses | 5,769,000 | 5,126,000 | 5,649,000 | 4,815,000 |
| Securities available for sale | 69,627,000 | 66,307,000 | 66,555,000 | 69,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 467,627,000 | 449,855,000 | 472,904,000 | 417,695,000 |
| Interest-bearing deposits | 426,188,000 | 408,259,000 | 434,655,000 | 383,647,000 |
| Noninterest-bearing deposits | 41,439,000 | 41,596,000 | 38,249,000 | 34,048,000 |
| Equity capital | 44,714,000 | 43,715,000 | 42,654,000 | 43,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,911,000 | 16,737,000 | 24,606,000 | 31,566,000 |
| Interest expense | 4,638,000 | 8,699,000 | 12,574,000 | 16,186,000 |
| Net interest income | 4,273,000 | 8,038,000 | 12,032,000 | 15,380,000 |
| Noninterest income | 1,237,000 | 3,555,000 | 4,855,000 | 6,140,000 |
| Noninterest expense | 4,541,000 | 8,971,000 | 14,798,000 | 19,637,000 |
| Provision for loan losses | 235,000 | 1,580,000 | 4,988,000 | 9,563,000 |
| Pretax income | 734,000 | 1,042,000 | -2,899,000 | -7,680,000 |
| Income tax | 171,000 | 150,000 | -1,535,000 | -3,620,000 |
| Net income | 563,000 | 892,000 | -1,364,000 | -4,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,832,000 | 44,161,000 | 42,905,000 | 40,863,000 |
| Total capital | 48,437,000 | 48,585,000 | 48,146,000 | 45,217,000 |
| Risk-weighted assets | 425,817,000 | 419,866,000 | 418,838,000 | 347,874,000 |