Call reports 2009
FIRST NATIONAL BANK OF THE SOUTH — 2009
What FIRST NATIONAL BANK OF THE SOUTH reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 832,353,000 | 835,679,000 | 786,443,000 | 719,807,000 |
| Total loans | 686,087,000 | 626,122,000 | 572,349,000 | 537,160,000 |
| Allowance for loan losses | 22,394,000 | 23,534,000 | 24,374,000 | 25,407,000 |
| Securities available for sale | 77,800,000 | 103,376,000 | 85,749,000 | 99,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 700,498,000 | 724,819,000 | 680,811,000 | 643,088,000 |
| Interest-bearing deposits | 660,874,000 | 685,192,000 | 645,177,000 | 605,118,000 |
| Noninterest-bearing deposits | 39,624,000 | 39,627,000 | 35,634,000 | 37,970,000 |
| Equity capital | 60,237,000 | 39,952,000 | 28,567,000 | 17,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 9,443,000 | 17,969,000 | 25,255,000 | 32,870,000 |
| Interest expense | 5,030,000 | 10,158,000 | 14,896,000 | 19,168,000 |
| Net interest income | 4,413,000 | 7,811,000 | 10,359,000 | 13,702,000 |
| Noninterest income | 1,572,000 | 2,519,000 | 3,138,000 | 3,594,000 |
| Noninterest expense | 4,902,000 | 11,396,000 | 18,105,000 | 23,509,000 |
| Provision for loan losses | 2,152,000 | 20,197,000 | 29,353,000 | 39,712,000 |
| Pretax income | -1,069,000 | -20,794,000 | -33,256,000 | -44,167,000 |
| Income tax | 127,000 | 128,000 | 128,000 | -1,673,000 |
| Net income | -1,196,000 | -20,922,000 | -33,384,000 | -42,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,616,000 | 38,672,000 | 27,045,000 | 17,977,000 |
| Total capital | 67,340,000 | 46,598,000 | 34,321,000 | 24,769,000 |
| Risk-weighted assets | 684,248,000 | 618,489,000 | 564,963,000 | 524,797,000 |