Call reports 2005
FIRST NATIONAL BANK OF THE SOUTH — 2005
What FIRST NATIONAL BANK OF THE SOUTH 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 | 262,312,000 | 296,641,000 | 302,301,000 | 330,971,000 |
| Total loans | 208,682,000 | 224,896,000 | 234,005,000 | 251,405,000 |
| Allowance for loan losses | 2,504,000 | 2,641,000 | 2,692,000 | 2,719,000 |
| Securities available for sale | 38,000,000 | 37,315,000 | 45,164,000 | 45,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,279,000 | 244,653,000 | 247,957,000 | 276,910,000 |
| Interest-bearing deposits | 194,391,000 | 215,009,000 | 228,882,000 | 252,291,000 |
| Noninterest-bearing deposits | 15,888,000 | 29,643,000 | 19,075,000 | 24,619,000 |
| Equity capital | 19,466,000 | 20,560,000 | 21,358,000 | 23,880,000 |
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 | 3,435,000 | 7,505,000 | 12,192,000 | 17,341,000 |
| Interest expense | 1,310,000 | 3,003,000 | 5,116,000 | 7,455,000 |
| Net interest income | 2,125,000 | 4,502,000 | 7,076,000 | 9,886,000 |
| Noninterest income | 357,000 | 813,000 | 1,300,000 | 1,855,000 |
| Noninterest expense | 1,401,000 | 2,881,000 | 4,539,000 | 6,431,000 |
| Provision for loan losses | 271,000 | 432,000 | 506,000 | 594,000 |
| Pretax income | 810,000 | 2,002,000 | 3,331,000 | 4,716,000 |
| Income tax | 262,000 | 638,000 | 1,062,000 | 1,603,000 |
| Net income | 548,000 | 1,364,000 | 2,269,000 | 3,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,398,000 | 20,482,000 | 21,207,000 | 23,832,000 |
| Total capital | 21,902,000 | 23,123,000 | 23,899,000 | 26,551,000 |
| Risk-weighted assets | 199,538,000 | 218,270,000 | 224,309,000 | 233,934,000 |