Call reports 2004
SOUTHERN BANCORP BANK OF TRUMANN — 2004
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 89,295,000 | 88,930,000 | 93,164,000 | 89,734,000 |
| Total loans | 35,758,000 | 40,335,000 | 46,240,000 | 41,675,000 |
| Allowance for loan losses | 1,051,000 | 1,059,000 | 1,067,000 | 1,048,000 |
| Securities available for sale | 44,720,000 | 39,598,000 | 38,376,000 | 37,100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,533,000 | 72,111,000 | 69,580,000 | 72,246,000 |
| Interest-bearing deposits | 63,227,000 | 63,350,000 | 61,770,000 | 62,160,000 |
| Noninterest-bearing deposits | 8,306,000 | 8,761,000 | 7,810,000 | 10,086,000 |
| Equity capital | 14,479,000 | 14,015,000 | 14,984,000 | 14,981,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,186,000 | 3,384,000 | 4,551,000 |
| Interest expense | 296,000 | 577,000 | 884,000 | 1,189,000 |
| Net interest income | 793,000 | 1,609,000 | 2,500,000 | 3,362,000 |
| Noninterest income | 140,000 | 296,000 | 448,000 | 549,000 |
| Noninterest expense | 413,000 | 879,000 | 1,355,000 | 1,832,000 |
| Provision for loan losses | 15,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 506,000 | 1,077,000 | 1,645,000 | 2,131,000 |
| Income tax | 139,000 | 310,000 | 479,000 | 629,000 |
| Net income | 367,000 | 767,000 | 1,166,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,174,000 | 12,574,000 | 12,973,000 | 13,058,000 |
| Total capital | 12,726,000 | 13,185,000 | 13,638,000 | 13,663,000 |
| Risk-weighted assets | 43,659,000 | 48,407,000 | 52,767,000 | 47,973,000 |