Call reports 2008
FIRST NATIONAL BANK OF THE SOUTH — 2008
What FIRST NATIONAL BANK OF THE SOUTH reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 850,717,000 | 861,411,000 | 856,043,000 | 814,340,000 |
| Total loans | 717,177,000 | 718,040,000 | 714,246,000 | 709,286,000 |
| Allowance for loan losses | 8,400,000 | 8,734,000 | 13,237,000 | 23,033,000 |
| Securities available for sale | 68,365,000 | 74,916,000 | 72,538,000 | 81,662,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 673,803,000 | 669,787,000 | 645,353,000 | 650,569,000 |
| Interest-bearing deposits | 626,353,000 | 628,432,000 | 601,887,000 | 611,178,000 |
| Noninterest-bearing deposits | 47,450,000 | 41,355,000 | 43,466,000 | 39,391,000 |
| Equity capital | 107,008,000 | 106,191,000 | 103,579,000 | 61,278,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 10,984,000 | 23,330,000 | 34,797,000 | 45,359,000 |
| Interest expense | 5,988,000 | 12,459,000 | 18,499,000 | 24,522,000 |
| Net interest income | 4,996,000 | 10,871,000 | 16,298,000 | 20,837,000 |
| Noninterest income | 1,319,000 | 2,565,000 | 3,769,000 | 5,020,000 |
| Noninterest expense | 4,669,000 | 10,143,000 | 16,054,000 | 51,391,000 |
| Provision for loan losses | 466,000 | 1,410,000 | 6,028,000 | 20,460,000 |
| Pretax income | 1,180,000 | 1,883,000 | -2,015,000 | -45,994,000 |
| Income tax | 335,000 | 466,000 | -712,000 | -1,933,000 |
| Net income | 845,000 | 1,417,000 | -1,303,000 | -44,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,256,000 | 76,979,000 | 74,285,000 | 59,773,000 |
| Total capital | 84,656,000 | 85,713,000 | 83,421,000 | 68,763,000 |
| Risk-weighted assets | 741,228,000 | 751,621,000 | 726,770,000 | 705,170,000 |