Call reports 2010
SOUTHERNTRUST BANK — 2010
What SOUTHERNTRUST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 48,471,000 | 50,396,000 | 51,302,000 | 51,310,000 |
| Total loans | 34,896,000 | 37,420,000 | 38,066,000 | 36,174,000 |
| Allowance for loan losses | 349,000 | 414,000 | 408,000 | 396,000 |
| Securities available for sale | 8,428,000 | 8,138,000 | 8,228,000 | 8,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,966,000 | 45,927,000 | 46,738,000 | 46,795,000 |
| Interest-bearing deposits | 41,127,000 | 42,297,000 | 43,134,000 | 43,062,000 |
| Noninterest-bearing deposits | 2,839,000 | 3,630,000 | 3,604,000 | 3,733,000 |
| Equity capital | 4,055,000 | 4,068,000 | 4,165,000 | 4,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 629,000 | 1,291,000 | 1,979,000 | 2,639,000 |
| Interest expense | 217,000 | 437,000 | 650,000 | 848,000 |
| Net interest income | 412,000 | 854,000 | 1,329,000 | 1,791,000 |
| Noninterest income | 41,000 | 91,000 | 151,000 | 214,000 |
| Noninterest expense | 428,000 | 861,000 | 1,298,000 | 1,763,000 |
| Provision for loan losses | 123,000 | 196,000 | 202,000 | 255,000 |
| Pretax income | -98,000 | -112,000 | -19,000 | -12,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -98,000 | -112,000 | -19,000 | -12,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,005,000 | 3,992,000 | 4,085,000 | 4,092,000 |
| Total capital | 4,354,000 | 4,406,000 | 4,493,000 | 4,488,000 |
| Risk-weighted assets | 34,669,000 | 36,581,000 | 37,128,000 | 35,565,000 |