Call reports 2016
FNB SOUTH — 2016
What FNB SOUTH reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 341,619,000 | 345,401,000 | 340,725,000 | 349,516,000 |
| Total loans | 262,413,000 | 261,688,000 | 265,356,000 | 260,853,000 |
| Allowance for loan losses | 7,140,000 | 7,857,000 | 7,876,000 | 8,072,000 |
| Securities available for sale | 15,712,000 | 15,068,000 | 14,654,000 | 14,386,000 |
| Securities held to maturity | 3,046,000 | 2,976,000 | 2,948,000 | 2,916,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,065,000 | 289,455,000 | 284,089,000 | 296,808,000 |
| Interest-bearing deposits | 207,410,000 | 206,989,000 | 208,575,000 | 211,141,000 |
| Noninterest-bearing deposits | 78,655,000 | 82,466,000 | 75,514,000 | 85,667,000 |
| Equity capital | 52,175,000 | 53,117,000 | 53,912,000 | 49,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,692,000 | 9,169,000 | 13,655,000 | 18,264,000 |
| Interest expense | 333,000 | 661,000 | 995,000 | 1,333,000 |
| Net interest income | 4,359,000 | 8,508,000 | 12,660,000 | 16,931,000 |
| Noninterest income | 702,000 | 1,385,000 | 2,227,000 | 2,886,000 |
| Noninterest expense | 2,256,000 | 4,194,000 | 6,434,000 | 8,713,000 |
| Provision for loan losses | 0 | 750,000 | 1,500,000 | 4,200,000 |
| Pretax income | 2,805,000 | 4,949,000 | 6,953,000 | 6,904,000 |
| Income tax | 150,000 | 345,000 | 540,000 | 1,435,000 |
| Net income | 2,655,000 | 4,604,000 | 6,413,000 | 5,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,081,000 | 53,030,000 | 53,839,000 | 49,895,000 |
| Total capital | 55,061,000 | 56,053,000 | 56,902,000 | 52,891,000 |
| Risk-weighted assets | 234,310,000 | 237,074,000 | 240,250,000 | 234,676,000 |