Call reports 2011
SOUTHERNTRUST BANK — 2011
What SOUTHERNTRUST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,494,000 | 52,471,000 | 51,919,000 | 51,088,000 |
| Total loans | 34,536,000 | 35,459,000 | 34,455,000 | 34,436,000 |
| Allowance for loan losses | 440,000 | 472,000 | 491,000 | 440,000 |
| Securities available for sale | 10,000,000 | 10,981,000 | 12,305,000 | 11,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,190,000 | 47,694,000 | 46,264,000 | 45,454,000 |
| Interest-bearing deposits | 43,131,000 | 43,624,000 | 42,317,000 | 41,197,000 |
| Noninterest-bearing deposits | 4,059,000 | 4,070,000 | 3,947,000 | 4,257,000 |
| Equity capital | 3,920,000 | 4,082,000 | 4,201,000 | 4,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 635,000 | 1,287,000 | 1,922,000 | 2,540,000 |
| Interest expense | 177,000 | 344,000 | 496,000 | 625,000 |
| Net interest income | 458,000 | 943,000 | 1,426,000 | 1,915,000 |
| Noninterest income | 63,000 | 130,000 | 215,000 | 330,000 |
| Noninterest expense | 466,000 | 906,000 | 1,399,000 | 1,868,000 |
| Provision for loan losses | 244,000 | 279,000 | 289,000 | 289,000 |
| Pretax income | -187,000 | -110,000 | -45,000 | 95,000 |
| Income tax | 0 | 2,000 | 2,000 | 1,000 |
| Net income | -187,000 | -112,000 | -47,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,905,000 | 3,981,000 | 4,044,000 | 4,186,000 |
| Total capital | 4,324,000 | 4,416,000 | 4,473,000 | 4,615,000 |
| Risk-weighted assets | 33,522,000 | 34,779,000 | 34,242,000 | 34,276,000 |