Call reports 2006
SOUTHERN BANK — 2006
What SOUTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 354,769,000 | 346,869,000 | 357,368,000 | 362,604,000 |
| Total loans | 279,336,000 | 282,989,000 | 293,227,000 | 295,335,000 |
| Allowance for loan losses | 2,063,000 | 2,058,000 | 2,158,000 | 2,190,000 |
| Securities available for sale | 37,365,000 | 36,951,000 | 38,253,000 | 36,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 261,071,000 | 259,119,000 | 249,619,000 | 253,403,000 |
| Interest-bearing deposits | 242,315,000 | 239,411,000 | 230,307,000 | 234,931,000 |
| Noninterest-bearing deposits | 18,756,000 | 19,708,000 | 19,312,000 | 18,472,000 |
| Equity capital | 28,611,000 | 28,972,000 | 29,818,000 | 30,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,188,000 | 10,600,000 | 16,287,000 | 22,109,000 |
| Interest expense | 2,655,000 | 5,409,000 | 8,464,000 | 11,708,000 |
| Net interest income | 2,533,000 | 5,191,000 | 7,823,000 | 10,401,000 |
| Noninterest income | 483,000 | 1,045,000 | 1,627,000 | 2,179,000 |
| Noninterest expense | 1,764,000 | 3,456,000 | 5,213,000 | 6,973,000 |
| Provision for loan losses | 80,000 | 350,000 | 475,000 | 570,000 |
| Pretax income | 1,172,000 | 2,430,000 | 3,762,000 | 5,037,000 |
| Income tax | 417,000 | 794,000 | 1,271,000 | 1,688,000 |
| Net income | 755,000 | 1,636,000 | 2,491,000 | 3,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,653,000 | 27,314,000 | 27,948,000 | 28,586,000 |
| Total capital | 28,720,000 | 29,372,000 | 30,106,000 | 30,776,000 |
| Risk-weighted assets | 246,309,000 | 250,441,000 | 261,006,000 | 263,208,000 |
Machine access — free, no API key
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