Call reports 2005
SOUTHERN BANK — 2005
What SOUTHERN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 324,216,000 | 327,945,000 | 339,182,000 | 344,155,000 |
| Total loans | 266,644,000 | 269,584,000 | 278,691,000 | 277,893,000 |
| Allowance for loan losses | 4,738,000 | 2,016,000 | 2,050,000 | 2,037,000 |
| Securities available for sale | 35,843,000 | 34,700,000 | 34,940,000 | 35,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,363,000 | 227,204,000 | 233,907,000 | 253,830,000 |
| Interest-bearing deposits | 212,847,000 | 208,989,000 | 216,390,000 | 235,203,000 |
| Noninterest-bearing deposits | 18,516,000 | 18,215,000 | 17,517,000 | 18,627,000 |
| Equity capital | 26,079,000 | 27,389,000 | 27,815,000 | 28,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,363,000 | 8,869,000 | 13,646,000 | 18,669,000 |
| Interest expense | 1,962,000 | 4,064,000 | 6,352,000 | 8,925,000 |
| Net interest income | 2,401,000 | 4,805,000 | 7,294,000 | 9,744,000 |
| Noninterest income | 279,000 | 780,000 | 1,300,000 | 1,807,000 |
| Noninterest expense | 1,599,000 | 3,342,000 | 4,977,000 | 6,640,000 |
| Provision for loan losses | 2,610,000 | 4,570,000 | 4,690,000 | 4,775,000 |
| Pretax income | -1,529,000 | -2,327,000 | -1,073,000 | 136,000 |
| Income tax | -659,000 | -966,000 | -536,000 | -104,000 |
| Net income | -870,000 | -1,361,000 | -537,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,645,000 | 24,942,000 | 25,541,000 | 26,102,000 |
| Total capital | 26,569,000 | 26,958,000 | 27,591,000 | 28,139,000 |
| Risk-weighted assets | 232,131,000 | 235,309,000 | 242,082,000 | 242,854,000 |
Machine access — free, no API key
Every figure shown here about SOUTHERN BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.