Call reports 2003
FIRST NATIONAL BANK OF THE SOUTH — 2003
What FIRST NATIONAL BANK OF THE SOUTH 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 | 150,790,000 | 161,676,000 | 167,836,000 | 182,580,000 |
| Total loans | 106,163,000 | 111,942,000 | 119,305,000 | 130,421,000 |
| Allowance for loan losses | 1,328,000 | 1,399,000 | 1,491,000 | 1,630,000 |
| Securities available for sale | 23,460,000 | 30,642,000 | 29,527,000 | 36,174,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,885,000 | 140,735,000 | 146,352,000 | 157,413,000 |
| Interest-bearing deposits | 120,388,000 | 125,830,000 | 133,154,000 | 143,981,000 |
| Noninterest-bearing deposits | 10,497,000 | 14,905,000 | 13,198,000 | 13,432,000 |
| Equity capital | 10,659,000 | 11,029,000 | 10,994,000 | 14,423,000 |
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 | 1,767,000 | 3,629,000 | 5,534,000 | 7,595,000 |
| Interest expense | 721,000 | 1,514,000 | 2,257,000 | 3,030,000 |
| Net interest income | 1,046,000 | 2,115,000 | 3,277,000 | 4,565,000 |
| Noninterest income | 377,000 | 707,000 | 1,077,000 | 1,378,000 |
| Noninterest expense | 979,000 | 1,956,000 | 2,992,000 | 4,058,000 |
| Provision for loan losses | 165,000 | 237,000 | 368,000 | 519,000 |
| Pretax income | 279,000 | 629,000 | 994,000 | 1,366,000 |
| Income tax | 100,000 | 220,000 | 348,000 | 426,000 |
| Net income | 179,000 | 409,000 | 646,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,343,000 | 10,632,000 | 10,825,000 | 14,224,000 |
| Total capital | 11,660,000 | 12,031,000 | 12,316,000 | 15,837,000 |
| Risk-weighted assets | 105,348,000 | 113,947,000 | 119,716,000 | 129,055,000 |