Call reports 2016
INSOUTH BANK — 2016
What INSOUTH BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 296,375,000 | 286,847,000 | 288,103,000 | 294,143,000 |
| Total loans | 199,217,000 | 218,979,000 | 215,715,000 | 219,681,000 |
| Allowance for loan losses | 1,986,000 | 1,718,000 | 1,601,000 | 1,693,000 |
| Securities available for sale | 49,481,000 | 37,459,000 | 33,822,000 | 45,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,480,000 | 255,760,000 | 256,867,000 | 261,636,000 |
| Interest-bearing deposits | 204,340,000 | 196,399,000 | 193,959,000 | 201,695,000 |
| Noninterest-bearing deposits | 61,140,000 | 59,361,000 | 62,908,000 | 59,941,000 |
| Equity capital | 29,627,000 | 29,775,000 | 29,990,000 | 29,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,002,000 | 6,226,000 | 9,423,000 | 12,692,000 |
| Interest expense | 199,000 | 394,000 | 588,000 | 782,000 |
| Net interest income | 2,803,000 | 5,832,000 | 8,835,000 | 11,910,000 |
| Noninterest income | 779,000 | 1,576,000 | 2,440,000 | 3,245,000 |
| Noninterest expense | 2,864,000 | 5,752,000 | 8,639,000 | 11,550,000 |
| Provision for loan losses | 21,000 | 196,000 | 225,000 | 410,000 |
| Pretax income | 709,000 | 1,537,000 | 2,546,000 | 3,330,000 |
| Income tax | 286,000 | 592,000 | 969,000 | 1,265,000 |
| Net income | 423,000 | 945,000 | 1,577,000 | 2,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,025,000 | 26,073,000 | 26,553,000 | 26,832,000 |
| Total capital | 28,011,000 | 27,791,000 | 28,154,000 | 28,525,000 |
| Risk-weighted assets | 206,576,000 | 219,352,000 | 215,649,000 | 224,926,000 |