Call reports 2009
SOUTHERN BANK — 2009
What SOUTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 453,234,000 | 460,813,000 | 511,509,000 | 529,914,000 |
| Total loans | 362,716,000 | 372,986,000 | 409,052,000 | 406,024,000 |
| Allowance for loan losses | 4,283,000 | 4,430,000 | 4,610,000 | 4,270,000 |
| Securities available for sale | 58,542,000 | 57,428,000 | 61,155,000 | 63,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,503,000 | 313,575,000 | 373,408,000 | 399,046,000 |
| Interest-bearing deposits | 284,641,000 | 290,709,000 | 346,564,000 | 369,147,000 |
| Noninterest-bearing deposits | 27,862,000 | 22,866,000 | 26,844,000 | 29,899,000 |
| Equity capital | 40,189,000 | 42,087,000 | 45,663,000 | 46,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,350,000 | 12,730,000 | 19,617,000 | 26,550,000 |
| Interest expense | 2,659,000 | 5,348,000 | 8,103,000 | 10,902,000 |
| Net interest income | 3,691,000 | 7,382,000 | 11,514,000 | 15,648,000 |
| Noninterest income | 601,000 | 1,317,000 | 1,828,000 | 2,678,000 |
| Noninterest expense | 2,306,000 | 4,777,000 | 7,589,000 | 10,539,000 |
| Provision for loan losses | 410,000 | 620,000 | 830,000 | 1,140,000 |
| Pretax income | 1,576,000 | 3,302,000 | 4,923,000 | 6,647,000 |
| Income tax | 487,000 | 1,032,000 | 1,315,000 | 1,793,000 |
| Net income | 1,089,000 | 2,270,000 | 3,608,000 | 4,854,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,632,000 | 40,388,000 | 42,947,000 | 43,816,000 |
| Total capital | 42,839,000 | 44,699,000 | 47,568,000 | 48,579,000 |
| Risk-weighted assets | 336,151,000 | 344,464,000 | 386,313,000 | 385,709,000 |
Machine access — free, no API key
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