Call reports 2020
INSOUTH BANK — 2020
What INSOUTH BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 355,293,000 | 373,318,000 | 369,487,000 | 385,844,000 |
| Total loans | 274,013,000 | 286,227,000 | 305,279,000 | 306,651,000 |
| Allowance for loan losses | 2,898,000 | 2,860,000 | 3,082,000 | 3,047,000 |
| Securities available for sale | 37,968,000 | 36,792,000 | 33,134,000 | 37,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,384,000 | 336,006,000 | 331,162,000 | 346,213,000 |
| Interest-bearing deposits | 244,315,000 | 246,161,000 | 243,906,000 | 256,380,000 |
| Noninterest-bearing deposits | 75,069,000 | 89,845,000 | 87,256,000 | 89,833,000 |
| Equity capital | 34,226,000 | 35,146,000 | 35,446,000 | 36,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,051,000 | 8,678,000 | 12,699,000 | 16,762,000 |
| Interest expense | 437,000 | 834,000 | 1,180,000 | 1,465,000 |
| Net interest income | 3,614,000 | 7,844,000 | 11,519,000 | 15,297,000 |
| Noninterest income | 1,205,000 | 2,033,000 | 3,162,000 | 3,998,000 |
| Noninterest expense | 3,896,000 | 7,341,000 | 10,705,000 | 14,233,000 |
| Provision for loan losses | 35,000 | 67,000 | 303,000 | 318,000 |
| Pretax income | 888,000 | 2,469,000 | 3,673,000 | 4,744,000 |
| Income tax | 110,000 | 521,000 | 838,000 | 1,109,000 |
| Net income | 778,000 | 1,948,000 | 2,835,000 | 3,635,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,818,000 | 34,386,000 | 34,675,000 | 35,524,000 |