Call reports 2005
SOUTHERNTRUST BANK — 2005
What SOUTHERNTRUST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 7,117,000 | 10,110,000 | 13,038,000 |
| Total loans | 448,000 | 4,841,000 | 8,535,000 |
| Allowance for loan losses | 0 | 52,000 | 93,000 |
| Securities available for sale | 2,000,000 | 2,985,000 | 2,976,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 2,218,000 | 5,393,000 | 8,439,000 |
| Interest-bearing deposits | 2,039,000 | 4,450,000 | 7,128,000 |
| Noninterest-bearing deposits | 179,000 | 943,000 | 1,311,000 |
| Equity capital | 4,898,000 | 4,696,000 | 4,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 18,000 | 128,000 | 287,000 |
| Interest expense | 3,000 | 31,000 | 77,000 |
| Net interest income | 15,000 | 97,000 | 210,000 |
| Noninterest income | 3,000 | 21,000 | 41,000 |
| Noninterest expense | 120,000 | 362,000 | 623,000 |
| Provision for loan losses | 0 | 52,000 | 93,000 |
| Pretax income | -102,000 | -296,000 | -465,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -102,000 | -296,000 | -465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 4,898,000 | 4,704,000 | 4,577,000 |
| Total capital | 4,898,000 | 4,756,000 | 4,670,000 |
| Risk-weighted assets | 2,178,000 | 5,678,000 | 7,904,000 |
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