Call reports 2013
FIRST SOUTH BANK — 2013
What FIRST SOUTH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 429,842,000 | 425,876,000 | 422,771,000 | 439,235,000 |
| Total loans | 241,817,000 | 245,319,000 | 245,632,000 | 235,561,000 |
| Allowance for loan losses | 3,717,000 | 3,764,000 | 3,029,000 | 2,965,000 |
| Securities available for sale | 144,971,000 | 136,081,000 | 134,444,000 | 145,310,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,749,000 | 355,048,000 | 352,709,000 | 369,367,000 |
| Interest-bearing deposits | 296,995,000 | 296,602,000 | 289,846,000 | 302,809,000 |
| Noninterest-bearing deposits | 57,754,000 | 58,446,000 | 62,863,000 | 66,558,000 |
| Equity capital | 53,363,000 | 50,286,000 | 51,532,000 | 51,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,218,000 | 8,426,000 | 12,569,000 | 16,558,000 |
| Interest expense | 412,000 | 809,000 | 1,193,000 | 1,568,000 |
| Net interest income | 3,806,000 | 7,617,000 | 11,376,000 | 14,990,000 |
| Noninterest income | 1,826,000 | 3,541,000 | 5,172,000 | 6,707,000 |
| Noninterest expense | 3,633,000 | 7,259,000 | 10,945,000 | 14,722,000 |
| Provision for loan losses | 0 | 25,000 | 54,000 | 111,000 |
| Pretax income | 2,016,000 | 3,892,000 | 5,567,000 | 6,884,000 |
| Income tax | 128,000 | 254,000 | 369,000 | 505,000 |
| Net income | 1,888,000 | 3,638,000 | 5,198,000 | 6,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,070,000 | 42,366,000 | 43,383,000 | 43,565,000 |
| Total capital | 45,334,000 | 45,670,000 | 46,412,000 | 46,530,000 |
| Risk-weighted assets | 260,638,000 | 263,820,000 | 266,025,000 | 260,379,000 |
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