Call reports 2010
INSOUTH BANK — 2010
What INSOUTH BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 374,520,000 | 351,480,000 | 354,324,000 | 352,976,000 |
| Total loans | 252,507,000 | 246,843,000 | 240,424,000 | 228,942,000 |
| Allowance for loan losses | 5,040,000 | 7,751,000 | 8,015,000 | 8,421,000 |
| Securities available for sale | 62,365,000 | 62,971,000 | 62,036,000 | 58,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,312,000 | 325,075,000 | 328,947,000 | 329,855,000 |
| Interest-bearing deposits | 295,050,000 | 286,197,000 | 291,692,000 | 295,932,000 |
| Noninterest-bearing deposits | 40,262,000 | 38,878,000 | 37,255,000 | 33,923,000 |
| Equity capital | 25,948,000 | 24,180,000 | 22,950,000 | 21,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,698,000 | 9,022,000 | 13,155,000 | 17,263,000 |
| Interest expense | 1,453,000 | 2,630,000 | 3,742,000 | 4,791,000 |
| Net interest income | 3,245,000 | 6,392,000 | 9,413,000 | 12,472,000 |
| Noninterest income | 786,000 | 1,740,000 | 2,655,000 | 3,534,000 |
| Noninterest expense | 4,210,000 | 8,334,000 | 12,597,000 | 16,913,000 |
| Provision for loan losses | 204,000 | 3,406,000 | 4,474,000 | 6,054,000 |
| Pretax income | -383,000 | -1,827,000 | -2,602,000 | -3,639,000 |
| Income tax | -96,000 | 2,000 | 3,000 | -228,000 |
| Net income | -287,000 | -1,829,000 | -2,605,000 | -3,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,517,000 | 22,975,000 | 22,200,000 | 23,193,000 |
| Total capital | 27,687,000 | 26,003,000 | 25,177,000 | 26,061,000 |
| Risk-weighted assets | 251,753,000 | 237,527,000 | 233,140,000 | 223,875,000 |