Call reports 2005
BANKSOUTH — 2005
What BANKSOUTH 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 | 230,347,000 | 235,947,000 | 237,633,000 | 244,388,000 |
| Total loans | 203,825,000 | 212,452,000 | 214,614,000 | 220,371,000 |
| Allowance for loan losses | 3,824,000 | 4,061,000 | 3,746,000 | 3,748,000 |
| Securities available for sale | 19,082,000 | 17,647,000 | 16,360,000 | 15,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,702,000 | 147,101,000 | 151,006,000 | 163,747,000 |
| Interest-bearing deposits | 132,733,000 | 129,038,000 | 132,834,000 | 145,502,000 |
| Noninterest-bearing deposits | 17,969,000 | 18,063,000 | 18,172,000 | 18,245,000 |
| Equity capital | 28,958,000 | 29,277,000 | 30,118,000 | 30,223,000 |
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 | 3,074,000 | 6,514,000 | 10,202,000 | 13,964,000 |
| Interest expense | 1,392,000 | 2,949,000 | 4,678,000 | 6,578,000 |
| Net interest income | 1,682,000 | 3,565,000 | 5,524,000 | 7,386,000 |
| Noninterest income | 75,000 | 146,000 | 217,000 | 279,000 |
| Noninterest expense | 965,000 | 1,965,000 | 2,997,000 | 4,176,000 |
| Provision for loan losses | 83,000 | 315,000 | 0 | 0 |
| Pretax income | 709,000 | 1,431,000 | 2,744,000 | 3,489,000 |
| Income tax | 270,000 | 565,000 | 825,000 | 1,142,000 |
| Net income | 439,000 | 866,000 | 1,919,000 | 2,347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,799,000 | 29,109,000 | 29,987,000 | 30,122,000 |
| Total capital | 31,012,000 | 31,404,000 | 32,297,000 | 32,477,000 |
| Risk-weighted assets | 175,390,000 | 181,832,000 | 183,367,000 | 187,027,000 |