Call reports 2012
INSOUTH BANK — 2012
What INSOUTH BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 296,549,000 | 288,901,000 | 281,090,000 | 294,816,000 |
| Total loans | 182,584,000 | 186,388,000 | 186,879,000 | 179,230,000 |
| Allowance for loan losses | 5,511,000 | 5,515,000 | 5,331,000 | 4,732,000 |
| Securities available for sale | 61,564,000 | 59,376,000 | 55,707,000 | 55,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,567,000 | 264,978,000 | 256,408,000 | 270,475,000 |
| Interest-bearing deposits | 233,216,000 | 224,299,000 | 213,639,000 | 222,598,000 |
| Noninterest-bearing deposits | 40,351,000 | 40,679,000 | 42,769,000 | 47,877,000 |
| Equity capital | 21,147,000 | 21,917,000 | 22,706,000 | 22,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,043,000 | 6,013,000 | 9,025,000 | 12,285,000 |
| Interest expense | 432,000 | 835,000 | 1,200,000 | 1,545,000 |
| Net interest income | 2,611,000 | 5,178,000 | 7,825,000 | 10,740,000 |
| Noninterest income | 1,227,000 | 2,360,000 | 3,300,000 | 4,141,000 |
| Noninterest expense | 3,269,000 | 6,628,000 | 9,929,000 | 13,420,000 |
| Provision for loan losses | 421,000 | 504,000 | 518,000 | 544,000 |
| Pretax income | 148,000 | 1,071,000 | 1,893,000 | 2,360,000 |
| Income tax | 0 | 2,000 | 2,000 | -4,000 |
| Net income | 148,000 | 1,069,000 | 1,891,000 | 2,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,728,000 | 21,649,000 | 22,472,000 | 22,945,000 |
| Total capital | 23,018,000 | 24,050,000 | 24,881,000 | 25,264,000 |
| Risk-weighted assets | 179,972,000 | 188,963,000 | 189,780,000 | 183,099,000 |