Call reports 2015
FNB SOUTH — 2015
What FNB SOUTH reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 321,357,000 | 331,490,000 | 330,218,000 | 332,369,000 |
| Total loans | 245,421,000 | 250,157,000 | 255,719,000 | 258,831,000 |
| Allowance for loan losses | 7,906,000 | 8,012,000 | 7,780,000 | 8,149,000 |
| Securities available for sale | 13,748,000 | 15,753,000 | 16,596,000 | 16,249,000 |
| Securities held to maturity | 3,348,000 | 3,337,000 | 3,288,000 | 3,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,303,000 | 278,779,000 | 275,412,000 | 280,120,000 |
| Interest-bearing deposits | 202,004,000 | 204,408,000 | 205,267,000 | 206,574,000 |
| Noninterest-bearing deposits | 68,299,000 | 74,371,000 | 70,145,000 | 73,546,000 |
| Equity capital | 48,551,000 | 50,043,000 | 52,251,000 | 49,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,404,000 | 8,787,000 | 13,185,000 | 17,765,000 |
| Interest expense | 326,000 | 651,000 | 978,000 | 1,307,000 |
| Net interest income | 4,078,000 | 8,136,000 | 12,207,000 | 16,458,000 |
| Noninterest income | 749,000 | 1,563,000 | 2,783,000 | 2,925,000 |
| Noninterest expense | 2,112,000 | 4,523,000 | 6,678,000 | 9,335,000 |
| Provision for loan losses | 750,000 | 1,250,000 | 1,750,000 | 3,250,000 |
| Pretax income | 1,965,000 | 3,926,000 | 6,562,000 | 6,798,000 |
| Income tax | 150,000 | 300,000 | 450,000 | 1,403,000 |
| Net income | 1,815,000 | 3,626,000 | 6,112,000 | 5,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,446,000 | 49,957,000 | 52,142,000 | 49,426,000 |
| Total capital | 51,314,000 | 52,896,000 | 55,086,000 | 52,367,000 |
| Risk-weighted assets | 224,405,000 | 230,087,000 | 230,760,000 | 230,148,000 |