Call reports 2013
ONESOUTH BANK — 2013
What ONESOUTH 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 | 93,861,000 | 89,075,000 | 89,016,000 | 95,539,000 |
| Total loans | 66,447,000 | 74,043,000 | 72,710,000 | 64,356,000 |
| Allowance for loan losses | 867,000 | 882,000 | 945,000 | 802,000 |
| Securities available for sale | 4,866,000 | 4,576,000 | 4,329,000 | 4,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,944,000 | 76,885,000 | 76,650,000 | 83,131,000 |
| Interest-bearing deposits | 67,151,000 | 63,819,000 | 63,217,000 | 66,116,000 |
| Noninterest-bearing deposits | 14,793,000 | 13,066,000 | 13,433,000 | 17,015,000 |
| Equity capital | 10,286,000 | 10,508,000 | 10,617,000 | 10,687,000 |
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 | 988,000 | 2,074,000 | 3,206,000 | 4,255,000 |
| Interest expense | 163,000 | 297,000 | 423,000 | 545,000 |
| Net interest income | 825,000 | 1,777,000 | 2,783,000 | 3,710,000 |
| Noninterest income | 157,000 | 314,000 | 465,000 | 634,000 |
| Noninterest expense | 849,000 | 1,672,000 | 2,527,000 | 3,354,000 |
| Provision for loan losses | 15,000 | 30,000 | 200,000 | 385,000 |
| Pretax income | 118,000 | 389,000 | 521,000 | 605,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 118,000 | 389,000 | 521,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,863,000 | 10,135,000 | 10,266,000 | 10,351,000 |
| Total capital | 10,651,000 | 10,982,000 | 11,124,000 | 11,153,000 |
| Risk-weighted assets | 62,983,000 | 67,739,000 | 68,549,000 | 64,436,000 |