Call reports 2007
FIRST NATIONAL BANK OF THE SOUTH — 2007
What FIRST NATIONAL BANK OF THE SOUTH reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 511,519,000 | 556,671,000 | 575,596,000 | 589,250,000 |
| Total loans | 416,887,000 | 455,070,000 | 476,159,000 | 494,092,000 |
| Allowance for loan losses | 4,119,000 | 4,502,000 | 4,781,000 | 4,951,000 |
| Securities available for sale | 65,529,000 | 71,924,000 | 75,230,000 | 70,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,800,000 | 448,093,000 | 469,804,000 | 488,041,000 |
| Interest-bearing deposits | 382,433,000 | 414,838,000 | 438,221,000 | 443,518,000 |
| Noninterest-bearing deposits | 32,367,000 | 33,255,000 | 31,583,000 | 44,523,000 |
| Equity capital | 43,200,000 | 43,261,000 | 45,501,000 | 47,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 8,888,000 | 18,772,000 | 29,381,000 | 39,938,000 |
| Interest expense | 4,714,000 | 10,026,000 | 15,811,000 | 21,583,000 |
| Net interest income | 4,174,000 | 8,746,000 | 13,570,000 | 18,355,000 |
| Noninterest income | 666,000 | 1,704,000 | 2,887,000 | 4,033,000 |
| Noninterest expense | 2,933,000 | 6,517,000 | 10,042,000 | 14,027,000 |
| Provision for loan losses | 339,000 | 790,000 | 1,213,000 | 1,396,000 |
| Pretax income | 1,568,000 | 3,143,000 | 5,202,000 | 7,082,000 |
| Income tax | 459,000 | 1,234,000 | 1,801,000 | 2,373,000 |
| Net income | 1,109,000 | 1,909,000 | 3,401,000 | 4,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,584,000 | 44,383,000 | 45,875,000 | 47,186,000 |
| Total capital | 47,703,000 | 48,885,000 | 50,656,000 | 52,137,000 |
| Risk-weighted assets | 415,329,000 | 437,280,000 | 466,977,000 | 486,387,000 |