Call reports 2020
ONESOUTH BANK — 2020
What ONESOUTH BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 149,638,000 | 158,281,000 | 157,152,000 | 161,194,000 |
| Total loans | 101,948,000 | 113,549,000 | 119,852,000 | 113,994,000 |
| Allowance for loan losses | 1,307,000 | 1,389,000 | 1,530,000 | 1,646,000 |
| Securities available for sale | 793,000 | 755,000 | 688,000 | 634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,807,000 | 133,134,000 | 131,734,000 | 137,394,000 |
| Interest-bearing deposits | 94,167,000 | 94,363,000 | 94,214,000 | 98,301,000 |
| Noninterest-bearing deposits | 30,640,000 | 38,771,000 | 37,520,000 | 39,093,000 |
| Equity capital | 15,613,000 | 15,840,000 | 16,117,000 | 16,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,716,000 | 3,416,000 | 5,195,000 | 6,779,000 |
| Interest expense | 307,000 | 572,000 | 788,000 | 971,000 |
| Net interest income | 1,409,000 | 2,844,000 | 4,407,000 | 5,808,000 |
| Noninterest income | 149,000 | 285,000 | 456,000 | 626,000 |
| Noninterest expense | 1,357,000 | 2,624,000 | 3,948,000 | 5,236,000 |
| Provision for loan losses | 90,000 | 191,000 | 321,000 | 424,000 |
| Pretax income | 111,000 | 314,000 | 594,000 | 774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 314,000 | 594,000 | 774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,361,000 | 15,564,000 | 15,844,000 | 16,024,000 |
| Total capital | 16,563,000 | 16,810,000 | 17,092,000 | 17,312,000 |
| Risk-weighted assets | 96,070,000 | 99,552,000 | 99,609,000 | 102,752,000 |