Call reports 2008
SOUTHERN BANCORP BANK OF TRUMANN — 2008
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 97,981,000 | 100,225,000 | 104,147,000 | 98,827,000 |
| Total loans | 61,070,000 | 69,990,000 | 76,603,000 | 67,340,000 |
| Allowance for loan losses | 852,000 | 828,000 | 859,000 | 842,000 |
| Securities available for sale | 29,074,000 | 21,826,000 | 17,834,000 | 17,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,239,000 | 73,080,000 | 74,521,000 | 78,794,000 |
| Interest-bearing deposits | 61,313,000 | 62,752,000 | 66,465,000 | 70,084,000 |
| Noninterest-bearing deposits | 8,926,000 | 10,328,000 | 8,056,000 | 8,710,000 |
| Equity capital | 18,064,000 | 17,948,000 | 18,357,000 | 18,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,519,000 | 3,111,000 | 4,777,000 | 6,378,000 |
| Interest expense | 626,000 | 1,217,000 | 1,772,000 | 2,270,000 |
| Net interest income | 893,000 | 1,894,000 | 3,005,000 | 4,108,000 |
| Noninterest income | 92,000 | 199,000 | 283,000 | 376,000 |
| Noninterest expense | 532,000 | 1,053,000 | 1,614,000 | 2,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 462,000 | 1,076,000 | 1,731,000 | 2,405,000 |
| Income tax | 135,000 | 333,000 | 545,000 | 780,000 |
| Net income | 327,000 | 743,000 | 1,186,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,604,000 | 16,020,000 | 16,463,000 | 16,403,000 |
| Total capital | 16,456,000 | 16,848,000 | 17,322,000 | 17,245,000 |
| Risk-weighted assets | 70,163,000 | 76,911,000 | 80,475,000 | 73,987,000 |