Call reports 2015
INSOUTH BANK — 2015
What INSOUTH BANK 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 | 296,637,000 | 287,439,000 | 277,921,000 | 285,536,000 |
| Total loans | 190,626,000 | 189,676,000 | 193,419,000 | 194,799,000 |
| Allowance for loan losses | 2,462,000 | 2,459,000 | 2,729,000 | 2,249,000 |
| Securities available for sale | 49,480,000 | 56,924,000 | 47,982,000 | 50,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,690,000 | 256,756,000 | 247,291,000 | 255,108,000 |
| Interest-bearing deposits | 207,397,000 | 199,875,000 | 190,733,000 | 196,672,000 |
| Noninterest-bearing deposits | 58,293,000 | 56,881,000 | 56,558,000 | 58,436,000 |
| Equity capital | 29,645,000 | 29,132,000 | 29,491,000 | 29,299,000 |
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 | 2,790,000 | 5,670,000 | 8,664,000 | 11,594,000 |
| Interest expense | 235,000 | 447,000 | 636,000 | 834,000 |
| Net interest income | 2,555,000 | 5,223,000 | 8,028,000 | 10,760,000 |
| Noninterest income | 892,000 | 1,759,000 | 2,710,000 | 3,531,000 |
| Noninterest expense | 2,861,000 | 5,787,000 | 8,744,000 | 11,566,000 |
| Provision for loan losses | 7,000 | -68,000 | -42,000 | -137,000 |
| Pretax income | 579,000 | 1,263,000 | 2,042,000 | 2,868,000 |
| Income tax | 208,000 | 456,000 | 771,000 | 1,058,000 |
| Net income | 371,000 | 807,000 | 1,271,000 | 1,810,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,389,000 | 25,575,000 | 25,809,000 | 25,954,000 |
| Total capital | 27,849,000 | 28,034,000 | 28,368,000 | 28,203,000 |
| Risk-weighted assets | 196,801,000 | 199,762,000 | 202,257,000 | 203,416,000 |