Call reports 2014
SOUTHERNTRUST BANK — 2014
What SOUTHERNTRUST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 49,076,000 | 48,661,000 | 50,077,000 | 48,348,000 |
| Total loans | 29,395,000 | 29,109,000 | 28,699,000 | 27,690,000 |
| Allowance for loan losses | 547,000 | 569,000 | 581,000 | 522,000 |
| Securities available for sale | 10,119,000 | 11,382,000 | 11,252,000 | 12,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,484,000 | 43,510,000 | 45,633,000 | 43,873,000 |
| Interest-bearing deposits | 39,249,000 | 37,752,000 | 39,775,000 | 38,722,000 |
| Noninterest-bearing deposits | 5,235,000 | 5,758,000 | 5,858,000 | 5,151,000 |
| Equity capital | 4,490,000 | 4,572,000 | 4,376,000 | 4,398,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 484,000 | 953,000 | 1,430,000 | 1,894,000 |
| Interest expense | 43,000 | 84,000 | 125,000 | 169,000 |
| Net interest income | 441,000 | 869,000 | 1,305,000 | 1,725,000 |
| Noninterest income | 99,000 | 176,000 | 27,000 | 83,000 |
| Noninterest expense | 404,000 | 837,000 | 1,273,000 | 1,727,000 |
| Provision for loan losses | 10,000 | 25,000 | 35,000 | 35,000 |
| Pretax income | 126,000 | 183,000 | 25,000 | 47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 126,000 | 183,000 | 25,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,459,000 | 4,517,000 | 4,358,000 | 4,380,000 |
| Total capital | 4,815,000 | 4,868,000 | 4,698,000 | 4,719,000 |
| Risk-weighted assets | 28,285,000 | 27,892,000 | 26,969,000 | 26,945,000 |