Call reports 2003
SOUTHERN BANCORP BANK OF TRUMANN — 2003
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 88,630,000 | 88,481,000 | 86,869,000 | 90,524,000 |
| Total loans | 34,330,000 | 36,942,000 | 39,606,000 | 35,497,000 |
| Allowance for loan losses | 920,000 | 1,111,000 | 1,080,000 | 1,036,000 |
| Securities available for sale | 44,048,000 | 39,848,000 | 38,390,000 | 42,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,443,000 | 70,092,000 | 67,921,000 | 72,440,000 |
| Interest-bearing deposits | 62,652,000 | 60,819,000 | 60,258,000 | 61,839,000 |
| Noninterest-bearing deposits | 7,791,000 | 9,273,000 | 7,663,000 | 10,601,000 |
| Equity capital | 13,866,000 | 14,301,000 | 14,324,000 | 13,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 920,000 | 1,956,000 | 2,983,000 | 4,277,000 |
| Interest expense | 374,000 | 718,000 | 1,044,000 | 1,350,000 |
| Net interest income | 546,000 | 1,238,000 | 1,939,000 | 2,927,000 |
| Noninterest income | 159,000 | 324,000 | 463,000 | 595,000 |
| Noninterest expense | 406,000 | 861,000 | 1,295,000 | 1,791,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 328,000 | 703,000 | 1,057,000 | 1,652,000 |
| Income tax | 91,000 | 213,000 | 309,000 | 486,000 |
| Net income | 237,000 | 490,000 | 748,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,878,000 | 12,131,000 | 12,388,000 | 11,807,000 |
| Total capital | 12,445,000 | 12,711,000 | 12,963,000 | 12,360,000 |
| Risk-weighted assets | 45,022,000 | 45,847,000 | 45,482,000 | 43,774,000 |