Call reports 2009
SOUTHERNTRUST BANK — 2009
What SOUTHERNTRUST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 42,377,000 | 42,794,000 | 45,291,000 | 46,310,000 |
| Total loans | 31,875,000 | 32,997,000 | 34,169,000 | 34,392,000 |
| Allowance for loan losses | 319,000 | 331,000 | 255,000 | 224,000 |
| Securities available for sale | 8,241,000 | 6,926,000 | 6,302,000 | 7,599,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,508,000 | 38,159,000 | 40,625,000 | 41,676,000 |
| Interest-bearing deposits | 34,062,000 | 35,588,000 | 38,055,000 | 38,782,000 |
| Noninterest-bearing deposits | 2,446,000 | 2,571,000 | 2,570,000 | 2,894,000 |
| Equity capital | 4,141,000 | 4,197,000 | 4,246,000 | 4,163,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 598,000 | 1,214,000 | 1,836,000 | 2,474,000 |
| Interest expense | 237,000 | 473,000 | 708,000 | 941,000 |
| Net interest income | 361,000 | 741,000 | 1,128,000 | 1,533,000 |
| Noninterest income | 31,000 | 72,000 | 118,000 | 164,000 |
| Noninterest expense | 333,000 | 694,000 | 1,096,000 | 1,507,000 |
| Provision for loan losses | 82,000 | 95,000 | 106,000 | 200,000 |
| Pretax income | 17,000 | 84,000 | 104,000 | 50,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 17,000 | 84,000 | 104,000 | 50,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,070,000 | 4,138,000 | 4,158,000 | 4,104,000 |
| Total capital | 4,389,000 | 4,469,000 | 4,413,000 | 4,328,000 |
| Risk-weighted assets | 30,028,000 | 31,646,000 | 33,271,000 | 33,884,000 |