Call reports 2014
ONESOUTH BANK — 2014
What ONESOUTH 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 | 93,770,000 | 94,406,000 | 93,457,000 | 95,302,000 |
| Total loans | 67,280,000 | 76,975,000 | 79,088,000 | 69,071,000 |
| Allowance for loan losses | 826,000 | 841,000 | 874,000 | 819,000 |
| Securities available for sale | 4,024,000 | 4,648,000 | 4,391,000 | 4,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,467,000 | 81,664,000 | 78,425,000 | 82,169,000 |
| Interest-bearing deposits | 67,187,000 | 67,328,000 | 65,163,000 | 64,392,000 |
| Noninterest-bearing deposits | 14,280,000 | 14,336,000 | 13,262,000 | 17,777,000 |
| Equity capital | 10,619,000 | 10,873,000 | 11,155,000 | 10,698,000 |
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 | 1,012,000 | 2,084,000 | 3,286,000 | 4,413,000 |
| Interest expense | 114,000 | 226,000 | 338,000 | 444,000 |
| Net interest income | 898,000 | 1,858,000 | 2,948,000 | 3,969,000 |
| Noninterest income | 224,000 | 388,000 | 554,000 | 696,000 |
| Noninterest expense | 869,000 | 1,708,000 | 2,641,000 | 3,640,000 |
| Provision for loan losses | 24,000 | 47,000 | 101,000 | 157,000 |
| Pretax income | 229,000 | 491,000 | 760,000 | 868,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 229,000 | 491,000 | 760,000 | 868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,278,000 | 10,539,000 | 10,808,000 | 10,344,000 |
| Total capital | 11,092,000 | 11,380,000 | 11,682,000 | 11,163,000 |
| Risk-weighted assets | 65,112,000 | 76,302,000 | 76,828,000 | 71,703,000 |