Call reports 2016
SOUTHERNTRUST BANK — 2016
What SOUTHERNTRUST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 49,448,000 | 48,281,000 | 49,720,000 | 50,595,000 |
| Total loans | 28,800,000 | 27,721,000 | 27,496,000 | 27,958,000 |
| Allowance for loan losses | 426,000 | 423,000 | 431,000 | 431,000 |
| Securities available for sale | 12,354,000 | 12,029,000 | 13,429,000 | 14,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,448,000 | 43,549,000 | 45,036,000 | 46,234,000 |
| Interest-bearing deposits | 36,466,000 | 37,757,000 | 39,985,000 | 40,029,000 |
| Noninterest-bearing deposits | 5,982,000 | 5,792,000 | 5,051,000 | 6,205,000 |
| Equity capital | 4,381,000 | 4,555,000 | 4,560,000 | 4,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 880,000 | 1,315,000 | 1,755,000 |
| Interest expense | 45,000 | 91,000 | 139,000 | 186,000 |
| Net interest income | 397,000 | 789,000 | 1,176,000 | 1,569,000 |
| Noninterest income | 49,000 | 154,000 | 251,000 | 315,000 |
| Noninterest expense | 427,000 | 849,000 | 1,297,000 | 1,690,000 |
| Provision for loan losses | 189,000 | 189,000 | 197,000 | 197,000 |
| Pretax income | -170,000 | -63,000 | -35,000 | 29,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -170,000 | -63,000 | -35,000 | 29,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,326,000 | 4,433,000 | 4,461,000 | 4,525,000 |
| Total capital | 4,679,000 | 4,773,000 | 4,800,000 | 4,874,000 |
| Risk-weighted assets | 28,174,000 | 27,188,000 | 27,029,000 | 27,878,000 |