Call reports 2007
SOUTHERN BANCORP BANK OF TRUMANN — 2007
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,391,000 | 95,334,000 | 101,863,000 | 96,818,000 |
| Total loans | 48,585,000 | 55,945,000 | 61,457,000 | 56,083,000 |
| Allowance for loan losses | 756,000 | 847,000 | 849,000 | 851,000 |
| Securities available for sale | 33,128,000 | 31,986,000 | 32,178,000 | 31,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,338,000 | 69,409,000 | 68,185,000 | 70,389,000 |
| Interest-bearing deposits | 60,449,000 | 60,484,000 | 59,171,000 | 62,391,000 |
| Noninterest-bearing deposits | 8,889,000 | 8,925,000 | 9,014,000 | 7,998,000 |
| Equity capital | 17,052,000 | 16,825,000 | 17,484,000 | 18,211,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,771,000 | 4,382,000 | 5,976,000 |
| Interest expense | 554,000 | 1,221,000 | 1,957,000 | 2,699,000 |
| Net interest income | 753,000 | 1,550,000 | 2,425,000 | 3,277,000 |
| Noninterest income | 88,000 | 183,000 | 260,000 | 360,000 |
| Noninterest expense | 514,000 | 982,000 | 1,486,000 | 1,952,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 327,000 | 354,000 | 802,000 | 1,288,000 |
| Income tax | 85,000 | 83,000 | 210,000 | 332,000 |
| Net income | 242,000 | 271,000 | 592,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,314,000 | 15,343,000 | 15,664,000 | 16,027,000 |
| Total capital | 16,048,000 | 16,134,000 | 16,513,000 | 16,837,000 |
| Risk-weighted assets | 58,671,000 | 63,232,000 | 69,055,000 | 64,755,000 |