Call reports 2006
SOUTHERN BANCORP BANK OF TRUMANN — 2006
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 84,023,000 | 88,441,000 | 92,258,000 | 86,198,000 |
| Total loans | 46,188,000 | 51,919,000 | 56,029,000 | 49,331,000 |
| Allowance for loan losses | 751,000 | 755,000 | 749,000 | 754,000 |
| Securities available for sale | 27,860,000 | 28,579,000 | 28,567,000 | 28,080,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,168,000 | 68,239,000 | 65,534,000 | 68,427,000 |
| Interest-bearing deposits | 58,744,000 | 58,127,000 | 57,376,000 | 60,027,000 |
| Noninterest-bearing deposits | 8,424,000 | 10,112,000 | 8,158,000 | 8,400,000 |
| Equity capital | 15,941,000 | 15,909,000 | 16,589,000 | 16,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,386,000 | 3,763,000 | 5,103,000 |
| Interest expense | 406,000 | 852,000 | 1,403,000 | 2,013,000 |
| Net interest income | 752,000 | 1,534,000 | 2,360,000 | 3,090,000 |
| Noninterest income | 77,000 | 176,000 | 269,000 | 367,000 |
| Noninterest expense | 504,000 | 979,000 | 1,488,000 | 1,974,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 325,000 | 731,000 | 1,141,000 | 1,483,000 |
| Income tax | 98,000 | 225,000 | 348,000 | 445,000 |
| Net income | 227,000 | 506,000 | 793,000 | 1,038,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,412,000 | 14,690,000 | 14,977,000 | 15,222,000 |
| Total capital | 15,032,000 | 15,389,000 | 15,725,000 | 15,929,000 |
| Risk-weighted assets | 49,501,000 | 55,900,000 | 59,875,000 | 56,511,000 |