Call reports 2015
BANK OF THE SOUTH — 2015
What BANK OF THE SOUTH 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 | 72,817,000 | 73,242,000 | 73,557,000 | 71,125,000 |
| Total loans | 15,715,000 | 15,579,000 | 15,688,000 | 15,377,000 |
| Allowance for loan losses | 204,000 | 203,000 | 202,000 | 202,000 |
| Securities available for sale | 30,589,000 | 30,519,000 | 30,658,000 | 30,452,000 |
| Securities held to maturity | 17,143,000 | 18,059,000 | 18,019,000 | 19,481,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,269,000 | 58,661,000 | 58,904,000 | 56,646,000 |
| Interest-bearing deposits | 42,060,000 | 40,905,000 | 41,716,000 | 39,625,000 |
| Noninterest-bearing deposits | 16,209,000 | 17,756,000 | 17,188,000 | 17,021,000 |
| Equity capital | 14,543,000 | 14,569,000 | 14,620,000 | 14,474,000 |
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 | 366,000 | 730,000 | 1,091,000 | 1,451,000 |
| Interest expense | 17,000 | 35,000 | 52,000 | 70,000 |
| Net interest income | 349,000 | 695,000 | 1,039,000 | 1,381,000 |
| Noninterest income | 63,000 | 264,000 | 331,000 | 410,000 |
| Noninterest expense | 429,000 | 857,000 | 1,332,000 | 1,786,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -17,000 | 102,000 | 38,000 | 5,000 |
| Income tax | -6,000 | 38,000 | 13,000 | 1,000 |
| Net income | -11,000 | 64,000 | 25,000 | 4,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,480,000 | 14,555,000 | 14,516,000 | 14,495,000 |
| Total capital | 14,677,000 | 14,758,000 | 14,718,000 | 14,697,000 |
| Risk-weighted assets | 15,726,000 | 16,631,000 | 16,865,000 | 16,917,000 |