Call reports 2020
SOUTHERNTRUST BANK — 2020
What SOUTHERNTRUST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 57,391,000 | 62,797,000 | 192,955,000 | 185,789,000 |
| Total loans | 25,358,000 | 26,947,000 | 138,341,000 | 126,749,000 |
| Allowance for loan losses | 380,000 | 385,000 | 815,000 | 811,000 |
| Securities available for sale | 19,114,000 | 18,088,000 | 26,057,000 | 25,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,690,000 | 56,469,000 | 136,190,000 | 137,830,000 |
| Interest-bearing deposits | 42,346,000 | 45,555,000 | 113,305,000 | 115,967,000 |
| Noninterest-bearing deposits | 9,344,000 | 10,914,000 | 22,885,000 | 21,863,000 |
| Equity capital | 5,595,000 | 6,115,000 | 19,533,000 | 20,194,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 505,000 | 1,062,000 | 4,816,000 | 6,534,000 |
| Interest expense | 70,000 | 141,000 | 1,099,000 | 1,425,000 |
| Net interest income | 435,000 | 921,000 | 3,717,000 | 5,109,000 |
| Noninterest income | 105,000 | 190,000 | 229,000 | 428,000 |
| Noninterest expense | 460,000 | 941,000 | 1,973,000 | 3,039,000 |
| Provision for loan losses | 0 | 3,000 | 27,000 | 51,000 |
| Pretax income | 80,000 | 170,000 | 1,946,000 | 2,447,000 |
| Income tax | 19,000 | 31,000 | 607,000 | 500,000 |
| Net income | 61,000 | 139,000 | 1,339,000 | 1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,641,000 | 5,645,000 | 16,089,000 | 16,706,000 |