Call reports 2005
SOUTHSTAR BANK, S.S.B. — 2005
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,588,000 | 101,803,000 | 105,649,000 | 108,463,000 |
| Total loans | 86,370,000 | 81,109,000 | 81,588,000 | 85,015,000 |
| Allowance for loan losses | 701,000 | 782,000 | 828,000 | 896,000 |
| Securities available for sale | 10,966,000 | 10,918,000 | 10,689,000 | 10,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,475,000 | 82,748,000 | 86,592,000 | 87,652,000 |
| Interest-bearing deposits | 62,129,000 | 62,765,000 | 65,362,000 | 64,932,000 |
| Noninterest-bearing deposits | 20,346,000 | 19,983,000 | 21,230,000 | 22,720,000 |
| Equity capital | 7,520,000 | 7,829,000 | 7,817,000 | 7,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,699,000 | 3,484,000 | 5,286,000 | 7,189,000 |
| Interest expense | 400,000 | 828,000 | 1,276,000 | 1,776,000 |
| Net interest income | 1,299,000 | 2,656,000 | 4,010,000 | 5,413,000 |
| Noninterest income | 213,000 | 387,000 | 333,000 | 532,000 |
| Noninterest expense | 1,018,000 | 2,055,000 | 3,129,000 | 4,180,000 |
| Provision for loan losses | 110,000 | 205,000 | 295,000 | 385,000 |
| Pretax income | 384,000 | 783,000 | 919,000 | 1,380,000 |
| Income tax | 131,000 | 249,000 | 329,000 | 466,000 |
| Net income | 253,000 | 534,000 | 590,000 | 914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,631,000 | 7,873,000 | 7,928,000 | 8,113,000 |
| Total capital | 8,332,000 | 8,655,000 | 8,756,000 | 9,009,000 |
| Risk-weighted assets | 75,186,000 | 74,429,000 | 76,718,000 | 79,536,000 |