Call reports 2002
SOUTHSTAR BANK, S.S.B. — 2002
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 96,225,000 | 95,592,000 | 97,265,000 | 98,407,000 |
| Total loans | 79,305,000 | 70,095,000 | 79,378,000 | 77,150,000 |
| Allowance for loan losses | 301,000 | 256,000 | 298,000 | 498,000 |
| Securities available for sale | 4,672,000 | 2,491,000 | 3,136,000 | 2,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,413,000 | 80,375,000 | 82,101,000 | 83,545,000 |
| Interest-bearing deposits | 62,507,000 | 62,788,000 | 63,977,000 | 65,062,000 |
| Noninterest-bearing deposits | 16,906,000 | 17,587,000 | 18,124,000 | 18,483,000 |
| Equity capital | 6,189,000 | 6,346,000 | 6,461,000 | 6,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,740,000 | 3,449,000 | 5,145,000 | 6,913,000 |
| Interest expense | 578,000 | 1,121,000 | 1,641,000 | 2,160,000 |
| Net interest income | 1,162,000 | 2,328,000 | 3,504,000 | 4,753,000 |
| Noninterest income | 356,000 | 616,000 | 858,000 | 1,053,000 |
| Noninterest expense | 983,000 | 2,014,000 | 3,065,000 | 4,089,000 |
| Provision for loan losses | 106,000 | 154,000 | 214,000 | 554,000 |
| Pretax income | 429,000 | 776,000 | 1,168,000 | 1,248,000 |
| Income tax | 136,000 | 253,000 | 391,000 | 422,000 |
| Net income | 293,000 | 523,000 | 777,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,160,000 | 6,295,000 | 6,454,000 | 6,408,000 |
| Total capital | 6,461,000 | 6,551,000 | 6,752,000 | 6,906,000 |
| Risk-weighted assets | 66,517,000 | 64,803,000 | 68,454,000 | 68,768,000 |