Call reports 2015
PREMIER BANK OF THE SOUTH — 2015
What PREMIER 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 | 157,630,000 | 164,782,000 | 154,129,000 | 159,213,000 |
| Total loans | 103,436,000 | 103,442,000 | 101,917,000 | 103,316,000 |
| Allowance for loan losses | 1,561,000 | 1,532,000 | 1,546,000 | 1,643,000 |
| Securities available for sale | 27,365,000 | 25,268,000 | 26,480,000 | 29,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,732,000 | 148,794,000 | 137,593,000 | 142,955,000 |
| Interest-bearing deposits | 112,835,000 | 110,107,000 | 106,290,000 | 111,441,000 |
| Noninterest-bearing deposits | 28,897,000 | 38,687,000 | 31,303,000 | 31,514,000 |
| Equity capital | 14,657,000 | 14,593,000 | 15,051,000 | 15,103,000 |
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 | 1,711,000 | 3,446,000 | 5,216,000 | 6,936,000 |
| Interest expense | 158,000 | 315,000 | 475,000 | 635,000 |
| Net interest income | 1,553,000 | 3,131,000 | 4,741,000 | 6,301,000 |
| Noninterest income | 388,000 | 791,000 | 1,274,000 | 1,676,000 |
| Noninterest expense | 1,475,000 | 3,001,000 | 4,510,000 | 6,092,000 |
| Provision for loan losses | 55,000 | 90,000 | 150,000 | 225,000 |
| Pretax income | 411,000 | 831,000 | 1,355,000 | 1,660,000 |
| Income tax | 11,000 | 34,000 | 64,000 | 69,000 |
| Net income | 400,000 | 797,000 | 1,291,000 | 1,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,468,000 | 14,525,000 | 14,794,000 | 15,049,000 |
| Total capital | 15,775,000 | 15,829,000 | 16,006,000 | 16,294,000 |
| Risk-weighted assets | 104,346,000 | 104,103,000 | 96,644,000 | 99,187,000 |