Call reports 2004
SOUTHSTAR BANK, S.S.B. — 2004
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,923,000 | 95,225,000 | 99,049,000 | 101,396,000 |
| Total loans | 67,294,000 | 71,380,000 | 76,574,000 | 81,607,000 |
| Allowance for loan losses | 408,000 | 500,000 | 594,000 | 701,000 |
| Securities available for sale | 7,420,000 | 11,687,000 | 12,409,000 | 11,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,906,000 | 79,863,000 | 79,516,000 | 79,857,000 |
| Interest-bearing deposits | 62,743,000 | 61,311,000 | 60,454,000 | 60,756,000 |
| Noninterest-bearing deposits | 18,163,000 | 18,552,000 | 19,062,000 | 19,101,000 |
| Equity capital | 6,956,000 | 7,011,000 | 7,281,000 | 7,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,405,000 | 2,893,000 | 4,471,000 | 6,151,000 |
| Interest expense | 348,000 | 673,000 | 1,007,000 | 1,384,000 |
| Net interest income | 1,057,000 | 2,220,000 | 3,464,000 | 4,767,000 |
| Noninterest income | 108,000 | 330,000 | 558,000 | 794,000 |
| Noninterest expense | 953,000 | 1,874,000 | 2,830,000 | 3,911,000 |
| Provision for loan losses | 350,000 | 480,000 | 690,000 | 816,000 |
| Pretax income | -138,000 | 196,000 | 502,000 | 834,000 |
| Income tax | -49,000 | 58,000 | 164,000 | 277,000 |
| Net income | -89,000 | 138,000 | 338,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,928,000 | 7,115,000 | 7,276,000 | 7,417,000 |
| Total capital | 7,336,000 | 7,615,000 | 7,870,000 | 8,118,000 |
| Risk-weighted assets | 65,368,000 | 65,967,000 | 71,324,000 | 74,592,000 |