Call reports 2005
ATLANTIC SOUTHERN BANK — 2005
What ATLANTIC SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 301,446,000 | 336,539,000 | 357,315,000 | 388,329,000 |
| Total loans | 263,545,000 | 285,181,000 | 307,868,000 | 332,667,000 |
| Allowance for loan losses | 3,299,000 | 3,645,000 | 3,893,000 | 4,150,000 |
| Securities available for sale | 22,234,000 | 27,159,000 | 32,020,000 | 34,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,159,000 | 285,493,000 | 305,301,000 | 334,668,000 |
| Interest-bearing deposits | 232,771,000 | 265,751,000 | 281,836,000 | 312,975,000 |
| Noninterest-bearing deposits | 21,388,000 | 19,742,000 | 23,465,000 | 21,693,000 |
| Equity capital | 22,412,000 | 33,394,000 | 34,213,000 | 35,306,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,118,000 | 9,092,000 | 14,924,000 | 21,567,000 |
| Interest expense | 1,415,000 | 3,245,000 | 5,493,000 | 8,227,000 |
| Net interest income | 2,703,000 | 5,847,000 | 9,431,000 | 13,340,000 |
| Noninterest income | 183,000 | 427,000 | 795,000 | 1,231,000 |
| Noninterest expense | 1,410,000 | 2,952,000 | 4,678,000 | 6,569,000 |
| Provision for loan losses | 495,000 | 840,000 | 1,087,000 | 1,493,000 |
| Pretax income | 981,000 | 2,482,000 | 4,461,000 | 6,509,000 |
| Income tax | 358,000 | 903,000 | 1,636,000 | 2,305,000 |
| Net income | 623,000 | 1,579,000 | 2,825,000 | 4,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,704,000 | 33,560,000 | 34,558,000 | 35,885,000 |
| Total capital | 26,003,000 | 37,205,000 | 38,451,000 | 40,035,000 |
| Risk-weighted assets | 279,931,000 | 308,539,000 | 331,926,000 | 336,919,000 |