Call reports 2015
ONESOUTH BANK — 2015
What ONESOUTH 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 | 102,472,000 | 107,509,000 | 111,599,000 | 112,899,000 |
| Total loans | 69,751,000 | 86,827,000 | 93,349,000 | 88,625,000 |
| Allowance for loan losses | 865,000 | 895,000 | 976,000 | 1,000,000 |
| Securities available for sale | 4,360,000 | 4,215,000 | 4,094,000 | 3,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,784,000 | 89,212,000 | 95,933,000 | 99,623,000 |
| Interest-bearing deposits | 72,940,000 | 73,833,000 | 80,601,000 | 79,927,000 |
| Noninterest-bearing deposits | 16,844,000 | 15,379,000 | 15,332,000 | 19,696,000 |
| Equity capital | 10,304,000 | 10,389,000 | 10,721,000 | 10,979,000 |
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 | 1,014,000 | 2,179,000 | 3,545,000 | 4,896,000 |
| Interest expense | 110,000 | 231,000 | 368,000 | 503,000 |
| Net interest income | 904,000 | 1,948,000 | 3,177,000 | 4,393,000 |
| Noninterest income | 162,000 | 300,000 | 497,000 | 668,000 |
| Noninterest expense | 994,000 | 2,029,000 | 3,042,000 | 4,177,000 |
| Provision for loan losses | 60,000 | 117,000 | 212,000 | 272,000 |
| Pretax income | 12,000 | 102,000 | 420,000 | 612,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,000 | 102,000 | 420,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,390,000 | 10,480,000 | 10,797,000 | 10,990,000 |
| Total capital | 11,255,000 | 11,375,000 | 11,773,000 | 11,990,000 |
| Risk-weighted assets | 70,424,000 | 84,981,000 | 88,153,000 | 87,544,000 |