Call reports 2014
SOUTHFIRST BANK — 2014
What SOUTHFIRST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 97,855,000 | 96,945,000 | 92,964,000 | 92,408,000 |
| Total loans | 68,383,000 | 67,747,000 | 66,047,000 | 62,974,000 |
| Allowance for loan losses | 1,267,000 | 1,247,000 | 1,242,000 | 1,249,000 |
| Securities available for sale | 6,262,000 | 5,889,000 | 5,464,000 | 5,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,280,000 | 84,347,000 | 80,316,000 | 79,901,000 |
| Interest-bearing deposits | 77,578,000 | 76,827,000 | 73,307,000 | 73,818,000 |
| Noninterest-bearing deposits | 7,702,000 | 7,520,000 | 7,009,000 | 6,083,000 |
| Equity capital | 9,481,000 | 9,510,000 | 9,627,000 | 9,565,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 984,000 | 1,925,000 | 2,866,000 | 3,765,000 |
| Interest expense | 133,000 | 262,000 | 387,000 | 508,000 |
| Net interest income | 851,000 | 1,663,000 | 2,479,000 | 3,257,000 |
| Noninterest income | 183,000 | 397,000 | 695,000 | 984,000 |
| Noninterest expense | 990,000 | 2,033,000 | 3,000,000 | 4,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 44,000 | 27,000 | 174,000 | 50,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 36,000 | 19,000 | 166,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,516,000 | 9,501,000 | 9,651,000 | 9,530,000 |
| Total capital | 10,309,000 | 10,283,000 | 10,415,000 | 10,265,000 |
| Risk-weighted assets | 62,953,000 | 62,115,000 | 60,610,000 | 58,259,000 |
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