Call reports 2009
INSOUTH BANK — 2009
What INSOUTH BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 455,573,000 | 418,557,000 | 383,799,000 | 379,890,000 |
| Total loans | 307,720,000 | 296,568,000 | 284,047,000 | 266,873,000 |
| Allowance for loan losses | 4,541,000 | 6,519,000 | 4,093,000 | 6,554,000 |
| Securities available for sale | 67,908,000 | 66,547,000 | 64,856,000 | 63,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 402,749,000 | 367,805,000 | 330,579,000 | 340,899,000 |
| Interest-bearing deposits | 366,395,000 | 327,345,000 | 290,656,000 | 296,529,000 |
| Noninterest-bearing deposits | 36,354,000 | 40,460,000 | 39,923,000 | 44,370,000 |
| Equity capital | 40,091,000 | 37,725,000 | 35,169,000 | 26,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,950,000 | 11,393,000 | 16,640,000 | 21,744,000 |
| Interest expense | 2,838,000 | 5,352,000 | 7,343,000 | 8,958,000 |
| Net interest income | 3,112,000 | 6,041,000 | 9,297,000 | 12,786,000 |
| Noninterest income | 1,012,000 | 2,259,000 | 3,127,000 | 3,883,000 |
| Noninterest expense | 4,767,000 | 9,824,000 | 14,601,000 | 20,672,000 |
| Provision for loan losses | 6,313,000 | 8,841,000 | 11,234,000 | 16,533,000 |
| Pretax income | -6,956,000 | -10,330,000 | -13,376,000 | -20,508,000 |
| Income tax | -2,753,000 | -4,120,000 | -3,837,000 | -103,000 |
| Net income | -4,203,000 | -6,210,000 | -9,539,000 | -20,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,305,000 | 30,677,000 | 27,844,000 | 24,804,000 |
| Total capital | 38,497,000 | 34,645,000 | 31,436,000 | 28,153,000 |
| Risk-weighted assets | 334,996,000 | 314,902,000 | 286,898,000 | 264,696,000 |