Call reports 2004
BANKSOUTH — 2004
What BANKSOUTH reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 211,712,000 | 221,935,000 | 220,605,000 | 233,592,000 |
| Total loans | 182,563,000 | 189,811,000 | 193,550,000 | 197,452,000 |
| Allowance for loan losses | 3,934,000 | 3,933,000 | 3,655,000 | 3,735,000 |
| Securities available for sale | 21,114,000 | 19,467,000 | 15,710,000 | 20,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,113,000 | 143,294,000 | 140,728,000 | 154,136,000 |
| Interest-bearing deposits | 118,554,000 | 124,280,000 | 124,800,000 | 134,572,000 |
| Noninterest-bearing deposits | 14,559,000 | 19,014,000 | 15,928,000 | 19,564,000 |
| Equity capital | 27,298,000 | 27,447,000 | 28,491,000 | 28,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,629,000 | 5,270,000 | 8,015,000 | 10,936,000 |
| Interest expense | 1,079,000 | 2,190,000 | 3,388,000 | 4,674,000 |
| Net interest income | 1,550,000 | 3,080,000 | 4,627,000 | 6,262,000 |
| Noninterest income | 99,000 | 179,000 | 1,053,000 | 1,133,000 |
| Noninterest expense | 846,000 | 1,808,000 | 3,102,000 | 4,163,000 |
| Provision for loan losses | 0 | 0 | -279,000 | -279,000 |
| Pretax income | 803,000 | 1,451,000 | 2,857,000 | 3,511,000 |
| Income tax | 270,000 | 480,000 | 750,000 | 989,000 |
| Net income | 533,000 | 971,000 | 2,107,000 | 2,522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,839,000 | 27,161,000 | 28,180,000 | 28,477,000 |
| Total capital | 28,442,000 | 29,264,000 | 30,309,000 | 30,665,000 |
| Risk-weighted assets | 125,891,000 | 166,437,000 | 168,775,000 | 173,508,000 |