Call reports 2015
SOUTHERNTRUST BANK — 2015
What SOUTHERNTRUST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 47,769,000 | 50,766,000 | 48,438,000 | 49,166,000 |
| Total loans | 27,295,000 | 27,645,000 | 28,495,000 | 29,055,000 |
| Allowance for loan losses | 440,000 | 422,000 | 539,000 | 540,000 |
| Securities available for sale | 11,650,000 | 11,987,000 | 10,572,000 | 12,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,168,000 | 43,683,000 | 41,317,000 | 42,109,000 |
| Interest-bearing deposits | 37,887,000 | 37,870,000 | 35,905,000 | 36,602,000 |
| Noninterest-bearing deposits | 5,281,000 | 5,813,000 | 5,412,000 | 5,507,000 |
| Equity capital | 4,465,000 | 4,478,000 | 4,513,000 | 4,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 895,000 | 1,348,000 | 1,807,000 |
| Interest expense | 46,000 | 89,000 | 131,000 | 174,000 |
| Net interest income | 396,000 | 806,000 | 1,217,000 | 1,633,000 |
| Noninterest income | 40,000 | 119,000 | 225,000 | 304,000 |
| Noninterest expense | 419,000 | 829,000 | 1,272,000 | 1,718,000 |
| Provision for loan losses | 5,000 | 21,000 | 111,000 | 111,000 |
| Pretax income | 12,000 | 78,000 | 64,000 | 117,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 12,000 | 78,000 | 64,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,392,000 | 4,458,000 | 4,444,000 | 4,497,000 |
| Total capital | 4,722,000 | 4,800,000 | 4,790,000 | 4,843,000 |
| Risk-weighted assets | 26,354,000 | 27,326,000 | 27,498,000 | 27,508,000 |