Call reports 2002
SOUTHERN BANCORP BANK OF TRUMANN — 2002
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,355,000 | 90,697,000 | 92,342,000 | 92,131,000 |
| Total loans | 36,035,000 | 37,647,000 | 40,351,000 | 36,655,000 |
| Allowance for loan losses | 942,000 | 1,003,000 | 1,007,000 | 1,055,000 |
| Securities available for sale | 45,532,000 | 43,345,000 | 37,304,000 | 38,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,293,000 | 74,163,000 | 72,732,000 | 72,694,000 |
| Interest-bearing deposits | 61,142,000 | 63,153,000 | 64,755,000 | 63,779,000 |
| Noninterest-bearing deposits | 6,151,000 | 11,010,000 | 7,977,000 | 8,915,000 |
| Equity capital | 10,999,000 | 11,678,000 | 14,457,000 | 13,743,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,286,000 | 2,603,000 | 478,000 | 1,506,000 |
| Interest expense | 504,000 | 955,000 | 144,000 | 566,000 |
| Net interest income | 782,000 | 1,648,000 | 334,000 | 940,000 |
| Noninterest income | 72,000 | 172,000 | 19,000 | 145,000 |
| Noninterest expense | 422,000 | 914,000 | 135,000 | 589,000 |
| Provision for loan losses | 60,000 | 120,000 | 10,000 | 40,000 |
| Pretax income | 372,000 | 776,000 | 204,000 | 464,000 |
| Income tax | 103,000 | 224,000 | 60,000 | 140,000 |
| Net income | 269,000 | 552,000 | 144,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,017,000 | 11,300,000 | 12,343,000 | 11,641,000 |
| Total capital | 11,503,000 | 11,824,000 | 12,906,000 | 12,209,000 |
| Risk-weighted assets | 38,444,000 | 41,473,000 | 44,602,000 | 44,959,000 |