Call reports 2012
SOUTHERNTRUST BANK — 2012
What SOUTHERNTRUST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 48,869,000 | 46,188,000 | 47,792,000 | 46,006,000 |
| Total loans | 32,481,000 | 30,130,000 | 28,340,000 | 27,751,000 |
| Allowance for loan losses | 489,000 | 523,000 | 524,000 | 525,000 |
| Securities available for sale | 12,056,000 | 11,882,000 | 10,708,000 | 10,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,449,000 | 40,816,000 | 41,746,000 | 40,350,000 |
| Interest-bearing deposits | 39,602,000 | 36,678,000 | 37,759,000 | 35,389,000 |
| Noninterest-bearing deposits | 3,847,000 | 4,138,000 | 3,987,000 | 4,961,000 |
| Equity capital | 4,356,000 | 4,358,000 | 4,418,000 | 4,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,147,000 | 1,676,000 | 2,161,000 |
| Interest expense | 119,000 | 223,000 | 322,000 | 409,000 |
| Net interest income | 475,000 | 924,000 | 1,354,000 | 1,752,000 |
| Noninterest income | 80,000 | 137,000 | 199,000 | 270,000 |
| Noninterest expense | 489,000 | 985,000 | 1,453,000 | 1,923,000 |
| Provision for loan losses | 48,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 23,000 | 24,000 | 85,000 | 87,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 3,000 |
| Net income | 22,000 | 23,000 | 84,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,207,000 | 4,208,000 | 4,270,000 | 4,270,000 |
| Total capital | 4,611,000 | 4,577,000 | 4,621,000 | 4,622,000 |
| Risk-weighted assets | 32,238,000 | 29,393,000 | 27,871,000 | 27,956,000 |