Call reports 2009
SOUTHERN BANCORP BANK OF TRUMANN — 2009
What SOUTHERN BANCORP BANK OF TRUMANN reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 102,088,000 | 101,409,000 | 115,750,000 | 112,337,000 |
| Total loans | 64,163,000 | 71,210,000 | 79,560,000 | 66,150,000 |
| Allowance for loan losses | 840,000 | 790,000 | 804,000 | 784,000 |
| Securities available for sale | 17,109,000 | 16,799,000 | 16,888,000 | 17,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,758,000 | 81,798,000 | 82,618,000 | 92,375,000 |
| Interest-bearing deposits | 70,168,000 | 70,388,000 | 68,796,000 | 81,294,000 |
| Noninterest-bearing deposits | 12,590,000 | 11,410,000 | 13,822,000 | 11,081,000 |
| Equity capital | 18,236,000 | 18,512,000 | 18,998,000 | 19,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,418,000 | 2,837,000 | 4,413,000 | 1,514,000 |
| Interest expense | 423,000 | 828,000 | 1,205,000 | 354,000 |
| Net interest income | 995,000 | 2,009,000 | 3,208,000 | 1,160,000 |
| Noninterest income | 74,000 | 151,000 | 224,000 | 455,000 |
| Noninterest expense | 569,000 | 1,189,000 | 1,848,000 | 621,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 95,000 |
| Pretax income | 500,000 | 956,000 | 1,554,000 | 948,000 |
| Income tax | 158,000 | 299,000 | 487,000 | 35,000 |
| Net income | 342,000 | 657,000 | 1,067,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,194,000 | 16,508,000 | 16,918,000 | 9,314,000 |
| Total capital | 17,034,000 | 17,298,000 | 17,722,000 | 10,098,000 |
| Risk-weighted assets | 75,528,000 | 76,438,000 | 83,880,000 | 75,708,000 |