Call reports 2007
SOUTHERNTRUST BANK — 2007
What SOUTHERNTRUST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 26,804,000 | 29,064,000 | 30,734,000 | 34,068,000 |
| Total loans | 17,503,000 | 20,609,000 | 21,869,000 | 23,350,000 |
| Allowance for loan losses | 178,000 | 176,000 | 173,000 | 222,000 |
| Securities available for sale | 5,508,000 | 5,450,000 | 5,708,000 | 5,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,532,000 | 24,842,000 | 26,496,000 | 29,837,000 |
| Interest-bearing deposits | 20,721,000 | 22,583,000 | 24,559,000 | 27,888,000 |
| Noninterest-bearing deposits | 1,811,000 | 2,259,000 | 1,937,000 | 1,949,000 |
| Equity capital | 4,161,000 | 4,107,000 | 4,114,000 | 4,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 889,000 | 1,408,000 | 1,947,000 |
| Interest expense | 207,000 | 440,000 | 705,000 | 983,000 |
| Net interest income | 211,000 | 449,000 | 703,000 | 964,000 |
| Noninterest income | 39,000 | 71,000 | 103,000 | 141,000 |
| Noninterest expense | 286,000 | 589,000 | 892,000 | 1,202,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 68,000 |
| Pretax income | -55,000 | -88,000 | -105,000 | -165,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -55,000 | -88,000 | -105,000 | -165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,154,000 | 4,122,000 | 4,104,000 | 4,044,000 |
| Total capital | 4,332,000 | 4,298,000 | 4,277,000 | 4,266,000 |
| Risk-weighted assets | 17,079,000 | 19,677,000 | 20,582,000 | 21,935,000 |
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