Call reports 2015
FIRST STATE BANK OF THE SOUTH, INC. — 2015
What FIRST STATE BANK OF THE SOUTH, INC. 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 | 96,457,000 | 95,994,000 | 97,020,000 | 97,069,000 |
| Total loans | 34,138,000 | 33,226,000 | 33,828,000 | 32,719,000 |
| Allowance for loan losses | 321,000 | 304,000 | 297,000 | 287,000 |
| Securities available for sale | 44,685,000 | 45,769,000 | 46,101,000 | 47,126,000 |
| Securities held to maturity | 2,393,000 | 1,868,000 | 1,868,000 | 1,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,500,000 | 78,263,000 | 79,252,000 | 79,869,000 |
| Interest-bearing deposits | 62,114,000 | 62,339,000 | 62,561,000 | 62,609,000 |
| Noninterest-bearing deposits | 16,386,000 | 15,924,000 | 16,691,000 | 17,260,000 |
| Equity capital | 15,721,000 | 15,553,000 | 16,030,000 | 15,631,000 |
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 | 868,000 | 1,758,000 | 2,633,000 | 3,499,000 |
| Interest expense | 108,000 | 211,000 | 309,000 | 405,000 |
| Net interest income | 760,000 | 1,547,000 | 2,324,000 | 3,094,000 |
| Noninterest income | 218,000 | 426,000 | 650,000 | 866,000 |
| Noninterest expense | 729,000 | 1,489,000 | 2,202,000 | 2,905,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 249,000 | 484,000 | 772,000 | 1,055,000 |
| Income tax | 58,000 | 110,000 | 181,000 | 254,000 |
| Net income | 191,000 | 374,000 | 591,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,498,000 | 15,051,000 | 15,268,000 | 15,084,000 |
| Total capital | 14,819,000 | 15,355,000 | 15,565,000 | 15,371,000 |
| Risk-weighted assets | 52,312,000 | 54,504,000 | 55,185,000 | 55,204,000 |