Call reports 2014
FIRST SOUTH BANK — 2014
What FIRST SOUTH 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 | 444,297,000 | 440,675,000 | 434,885,000 | 455,816,000 |
| Total loans | 234,010,000 | 245,200,000 | 246,924,000 | 241,880,000 |
| Allowance for loan losses | 2,881,000 | 2,872,000 | 2,870,000 | 2,871,000 |
| Securities available for sale | 154,373,000 | 149,318,000 | 145,449,000 | 160,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,247,000 | 364,694,000 | 354,982,000 | 369,313,000 |
| Interest-bearing deposits | 312,473,000 | 301,394,000 | 292,518,000 | 304,223,000 |
| Noninterest-bearing deposits | 62,774,000 | 63,300,000 | 62,464,000 | 65,090,000 |
| Equity capital | 52,936,000 | 53,921,000 | 55,288,000 | 54,723,000 |
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 | 3,835,000 | 7,852,000 | 11,887,000 | 15,845,000 |
| Interest expense | 379,000 | 759,000 | 1,129,000 | 1,499,000 |
| Net interest income | 3,456,000 | 7,093,000 | 10,758,000 | 14,346,000 |
| Noninterest income | 1,859,000 | 3,459,000 | 5,110,000 | 6,775,000 |
| Noninterest expense | 3,672,000 | 7,396,000 | 11,220,000 | 15,134,000 |
| Provision for loan losses | 0 | 0 | -1,042,000 | -1,042,000 |
| Pretax income | 1,643,000 | 3,244,000 | 5,778,000 | 7,117,000 |
| Income tax | 108,000 | 209,000 | 373,000 | 463,000 |
| Net income | 1,535,000 | 3,035,000 | 5,405,000 | 6,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,905,000 | 45,031,000 | 46,237,000 | 43,433,000 |
| Total capital | 47,786,000 | 47,903,000 | 49,107,000 | 46,304,000 |
| Risk-weighted assets | 260,509,000 | 268,219,000 | 268,598,000 | 266,102,000 |
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