Call reports 2013
INSOUTH BANK — 2013
What INSOUTH BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 298,602,000 | 287,782,000 | 287,553,000 | 301,440,000 |
| Total loans | 177,095,000 | 178,691,000 | 184,391,000 | 186,932,000 |
| Allowance for loan losses | 4,531,000 | 4,061,000 | 3,333,000 | 3,368,000 |
| Securities available for sale | 63,021,000 | 60,293,000 | 63,404,000 | 64,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,373,000 | 263,659,000 | 263,936,000 | 269,694,000 |
| Interest-bearing deposits | 227,329,000 | 220,776,000 | 207,911,000 | 213,157,000 |
| Noninterest-bearing deposits | 46,044,000 | 42,883,000 | 56,025,000 | 56,537,000 |
| Equity capital | 22,798,000 | 21,627,000 | 22,085,000 | 30,322,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,092,000 | 6,154,000 | 9,316,000 | 12,470,000 |
| Interest expense | 339,000 | 676,000 | 995,000 | 1,304,000 |
| Net interest income | 2,753,000 | 5,478,000 | 8,321,000 | 11,166,000 |
| Noninterest income | 839,000 | 1,772,000 | 2,700,000 | 3,717,000 |
| Noninterest expense | 3,438,000 | 6,722,000 | 9,963,000 | 13,454,000 |
| Provision for loan losses | 5,000 | 26,000 | 48,000 | 75,000 |
| Pretax income | 149,000 | 839,000 | 1,347,000 | 1,813,000 |
| Income tax | 0 | 0 | 1,000 | -6,622,000 |
| Net income | 149,000 | 839,000 | 1,346,000 | 8,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,093,000 | 23,783,000 | 24,290,000 | 25,056,000 |
| Total capital | 25,396,000 | 26,112,000 | 26,658,000 | 27,477,000 |
| Risk-weighted assets | 181,986,000 | 184,563,000 | 188,460,000 | 192,750,000 |