Call reports 2001
SOUTHSTAR BANK, S.S.B. — 2001
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 87,893,000 | 91,947,000 | 96,088,000 | 93,751,000 |
| Total loans | 65,732,000 | 73,709,000 | 71,055,000 | 76,826,000 |
| Allowance for loan losses | 368,000 | 386,000 | 352,000 | 318,000 |
| Securities available for sale | 7,771,000 | 5,191,000 | 5,066,000 | 4,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,814,000 | 77,606,000 | 81,629,000 | 79,615,000 |
| Interest-bearing deposits | 60,820,000 | 61,248,000 | 63,533,000 | 62,781,000 |
| Noninterest-bearing deposits | 15,994,000 | 16,358,000 | 18,096,000 | 16,834,000 |
| Equity capital | 5,607,000 | 5,814,000 | 5,970,000 | 5,988,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,813,000 | 3,697,000 | 5,567,000 | 7,337,000 |
| Interest expense | 777,000 | 1,579,000 | 2,357,000 | 3,045,000 |
| Net interest income | 1,036,000 | 2,118,000 | 3,210,000 | 4,292,000 |
| Noninterest income | 239,000 | 488,000 | 736,000 | 768,000 |
| Noninterest expense | 888,000 | 1,713,000 | 2,646,000 | 3,585,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 369,000 | 879,000 | 1,268,000 | 1,431,000 |
| Income tax | 118,000 | 294,000 | 452,000 | 466,000 |
| Net income | 251,000 | 585,000 | 816,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,540,000 | 5,778,000 | 5,913,000 | 5,966,000 |
| Total capital | 5,908,000 | 6,164,000 | 6,265,000 | 6,284,000 |
| Risk-weighted assets | 56,525,000 | 60,222,000 | 62,252,000 | 63,943,000 |