Call reports 2014
INSOUTH BANK — 2014
What INSOUTH BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 303,806,000 | 299,858,000 | 285,997,000 | 290,479,000 |
| Total loans | 188,824,000 | 190,438,000 | 191,476,000 | 185,121,000 |
| Allowance for loan losses | 2,792,000 | 2,654,000 | 2,714,000 | 2,422,000 |
| Securities available for sale | 67,876,000 | 65,028,000 | 56,157,000 | 39,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,767,000 | 268,203,000 | 254,307,000 | 259,408,000 |
| Interest-bearing deposits | 214,470,000 | 209,922,000 | 200,154,000 | 205,033,000 |
| Noninterest-bearing deposits | 57,297,000 | 58,281,000 | 54,153,000 | 54,375,000 |
| Equity capital | 30,803,000 | 30,145,000 | 30,536,000 | 29,467,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,207,000 | 6,503,000 | 9,608,000 | 12,542,000 |
| Interest expense | 297,000 | 590,000 | 863,000 | 1,119,000 |
| Net interest income | 2,910,000 | 5,913,000 | 8,745,000 | 11,423,000 |
| Noninterest income | 781,000 | 1,781,000 | 2,755,000 | 3,951,000 |
| Noninterest expense | 3,307,000 | 6,367,000 | 9,454,000 | 12,691,000 |
| Provision for loan losses | 15,000 | 56,000 | 100,000 | -70,000 |
| Pretax income | 458,000 | 1,471,000 | 2,236,000 | 3,171,000 |
| Income tax | 168,000 | 543,000 | 821,000 | 1,162,000 |
| Net income | 290,000 | 928,000 | 1,415,000 | 2,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,643,000 | 25,154,000 | 25,924,000 | 24,858,000 |
| Total capital | 28,088,000 | 27,644,000 | 28,417,000 | 27,229,000 |
| Risk-weighted assets | 195,285,000 | 199,018,000 | 199,206,000 | 189,596,000 |