Call reports 2004
FIRST NATIONAL BANK OF THE SOUTH — 2004
What FIRST NATIONAL BANK OF THE SOUTH 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 | 189,175,000 | 209,792,000 | 227,062,000 | 237,432,000 |
| Total loans | 143,893,000 | 162,284,000 | 176,098,000 | 188,507,000 |
| Allowance for loan losses | 1,798,000 | 2,020,000 | 2,201,000 | 2,259,000 |
| Securities available for sale | 32,063,000 | 34,501,000 | 36,326,000 | 36,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,930,000 | 177,804,000 | 191,212,000 | 193,503,000 |
| Interest-bearing deposits | 147,488,000 | 162,271,000 | 175,811,000 | 177,649,000 |
| Noninterest-bearing deposits | 16,443,000 | 15,532,000 | 15,401,000 | 15,854,000 |
| Equity capital | 14,989,000 | 17,472,000 | 18,760,000 | 19,269,000 |
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 | 2,238,000 | 4,553,000 | 7,319,000 | 10,417,000 |
| Interest expense | 785,000 | 1,615,000 | 2,591,000 | 3,680,000 |
| Net interest income | 1,453,000 | 2,938,000 | 4,728,000 | 6,737,000 |
| Noninterest income | 300,000 | 613,000 | 1,109,000 | 1,611,000 |
| Noninterest expense | 1,153,000 | 2,257,000 | 3,527,000 | 4,924,000 |
| Provision for loan losses | 168,000 | 400,000 | 594,000 | 679,000 |
| Pretax income | 502,000 | 1,019,000 | 1,875,000 | 2,905,000 |
| Income tax | 148,000 | 277,000 | 542,000 | 914,000 |
| Net income | 354,000 | 742,000 | 1,333,000 | 1,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,574,000 | 17,870,000 | 18,449,000 | 19,031,000 |
| Total capital | 16,372,000 | 19,850,000 | 20,553,000 | 21,290,000 |
| Risk-weighted assets | 143,481,000 | 158,284,000 | 168,251,000 | 179,969,000 |