Call reports 2015
SOUTHFIRST BANK — 2015
What SOUTHFIRST BANK 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 | 92,877,000 | 91,944,000 | 89,988,000 | 89,329,000 |
| Total loans | 62,169,000 | 60,724,000 | 57,801,000 | 58,640,000 |
| Allowance for loan losses | 1,043,000 | 1,050,000 | 955,000 | 920,000 |
| Securities available for sale | 6,035,000 | 5,729,000 | 5,406,000 | 6,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,222,000 | 79,408,000 | 77,372,000 | 76,782,000 |
| Interest-bearing deposits | 73,750,000 | 72,588,000 | 70,541,000 | 69,449,000 |
| Noninterest-bearing deposits | 6,472,000 | 6,820,000 | 6,831,000 | 7,333,000 |
| Equity capital | 9,603,000 | 9,437,000 | 9,557,000 | 9,638,000 |
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 | 837,000 | 1,671,000 | 2,482,000 | 3,280,000 |
| Interest expense | 113,000 | 228,000 | 343,000 | 453,000 |
| Net interest income | 724,000 | 1,443,000 | 2,139,000 | 2,827,000 |
| Noninterest income | 246,000 | 515,000 | 754,000 | 943,000 |
| Noninterest expense | 935,000 | 1,869,000 | 2,795,000 | 3,623,000 |
| Provision for loan losses | 0 | 0 | -95,000 | -135,000 |
| Pretax income | 35,000 | 89,000 | 193,000 | 282,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 35,000 | 89,000 | 193,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,569,000 | 9,423,000 | 9,526,000 | 9,615,000 |
| Total capital | 10,342,000 | 10,173,000 | 10,249,000 | 10,286,000 |
| Risk-weighted assets | 61,632,000 | 59,765,000 | 57,646,000 | 53,458,000 |