Call reports 2005
SOUTHERN BANCORP BANK OF TRUMANN — 2005
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,816,000 | 87,261,000 | 89,991,000 | 87,675,000 |
| Total loans | 41,286,000 | 46,740,000 | 52,791,000 | 47,621,000 |
| Allowance for loan losses | 1,050,000 | 755,000 | 760,000 | 748,000 |
| Securities available for sale | 33,631,000 | 29,960,000 | 28,729,000 | 27,275,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,164,000 | 70,140,000 | 68,990,000 | 70,776,000 |
| Interest-bearing deposits | 61,020,000 | 60,760,000 | 60,078,000 | 59,431,000 |
| Noninterest-bearing deposits | 8,144,000 | 9,380,000 | 8,912,000 | 11,345,000 |
| Equity capital | 14,829,000 | 15,418,000 | 15,657,000 | 15,769,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,112,000 | 2,224,000 | 3,453,000 | 4,695,000 |
| Interest expense | 320,000 | 654,000 | 1,018,000 | 1,420,000 |
| Net interest income | 792,000 | 1,570,000 | 2,435,000 | 3,275,000 |
| Noninterest income | 113,000 | 218,000 | 314,000 | 410,000 |
| Noninterest expense | 454,000 | 912,000 | 1,386,000 | 1,864,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 415,000 | 848,000 | 1,335,000 | 1,800,000 |
| Income tax | 132,000 | 255,000 | 418,000 | 574,000 |
| Net income | 283,000 | 593,000 | 917,000 | 1,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,242,000 | 13,552,000 | 13,875,000 | 14,184,000 |
| Total capital | 13,856,000 | 14,193,000 | 14,567,000 | 14,824,000 |
| Risk-weighted assets | 48,649,000 | 51,163,000 | 55,286,000 | 51,098,000 |