Call reports 2003
BANKSOUTH — 2003
What BANKSOUTH reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 216,499,000 | 214,524,000 | 214,216,000 | 215,055,000 |
| Total loans | 179,677,000 | 180,092,000 | 181,270,000 | 177,095,000 |
| Allowance for loan losses | 3,573,000 | 3,874,000 | 3,847,000 | 3,854,000 |
| Securities available for sale | 24,658,000 | 22,074,000 | 20,027,000 | 23,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,748,000 | 136,015,000 | 135,443,000 | 136,978,000 |
| Interest-bearing deposits | 122,089,000 | 122,425,000 | 120,748,000 | 122,504,000 |
| Noninterest-bearing deposits | 15,659,000 | 13,590,000 | 14,695,000 | 14,474,000 |
| Equity capital | 26,300,000 | 26,401,000 | 26,591,000 | 26,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,857,000 | 5,773,000 | 8,587,000 | 11,227,000 |
| Interest expense | 1,160,000 | 2,264,000 | 3,374,000 | 4,431,000 |
| Net interest income | 1,697,000 | 3,509,000 | 5,213,000 | 6,796,000 |
| Noninterest income | 79,000 | 150,000 | 218,000 | 291,000 |
| Noninterest expense | 976,000 | 1,830,000 | 2,691,000 | 3,631,000 |
| Provision for loan losses | 0 | 576,000 | 691,000 | 691,000 |
| Pretax income | 800,000 | 1,253,000 | 2,049,000 | 2,765,000 |
| Income tax | 270,000 | 570,000 | 840,000 | 1,020,000 |
| Net income | 530,000 | 683,000 | 1,209,000 | 1,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,676,000 | 25,751,000 | 26,121,000 | 26,423,000 |
| Total capital | 27,746,000 | 27,808,000 | 28,173,000 | 28,014,000 |
| Risk-weighted assets | 164,103,000 | 162,744,000 | 162,360,000 | 124,997,000 |