Call reports 2013
SOUTHERNTRUST BANK — 2013
What SOUTHERNTRUST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 45,723,000 | 45,366,000 | 48,340,000 | 49,265,000 |
| Total loans | 28,065,000 | 27,156,000 | 29,308,000 | 30,214,000 |
| Allowance for loan losses | 528,000 | 499,000 | 526,000 | 528,000 |
| Securities available for sale | 10,168,000 | 9,515,000 | 9,202,000 | 8,179,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,146,000 | 40,122,000 | 42,336,000 | 43,283,000 |
| Interest-bearing deposits | 35,085,000 | 35,478,000 | 36,954,000 | 37,975,000 |
| Noninterest-bearing deposits | 5,061,000 | 4,644,000 | 5,382,000 | 5,308,000 |
| Equity capital | 4,335,000 | 4,268,000 | 4,338,000 | 4,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 937,000 | 1,395,000 | 1,878,000 |
| Interest expense | 73,000 | 137,000 | 186,000 | 230,000 |
| Net interest income | 399,000 | 800,000 | 1,209,000 | 1,648,000 |
| Noninterest income | 39,000 | 117,000 | 198,000 | 275,000 |
| Noninterest expense | 467,000 | 909,000 | 1,350,000 | 1,827,000 |
| Provision for loan losses | 2,000 | 12,000 | 37,000 | 37,000 |
| Pretax income | -31,000 | -4,000 | 25,000 | 63,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -31,000 | -4,000 | 25,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,238,000 | 4,266,000 | 4,295,000 | 4,333,000 |
| Total capital | 4,582,000 | 4,590,000 | 4,653,000 | 4,693,000 |
| Risk-weighted assets | 27,331,000 | 25,738,000 | 28,504,000 | 28,639,000 |