Call reports 2006
SOUTHSTAR BANK, S.S.B. — 2006
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 112,673,000 | 112,107,000 | 116,863,000 | 116,853,000 |
| Total loans | 85,578,000 | 90,539,000 | 85,907,000 | 90,635,000 |
| Allowance for loan losses | 948,000 | 1,004,000 | 992,000 | 917,000 |
| Securities available for sale | 10,283,000 | 12,824,000 | 13,865,000 | 13,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,833,000 | 88,585,000 | 96,016,000 | 95,064,000 |
| Interest-bearing deposits | 69,501,000 | 67,688,000 | 72,645,000 | 70,527,000 |
| Noninterest-bearing deposits | 22,332,000 | 20,897,000 | 23,371,000 | 24,537,000 |
| Equity capital | 8,195,000 | 8,294,000 | 8,743,000 | 9,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,953,000 | 4,001,000 | 6,137,000 | 8,382,000 |
| Interest expense | 511,000 | 1,143,000 | 1,829,000 | 2,557,000 |
| Net interest income | 1,442,000 | 2,858,000 | 4,308,000 | 5,825,000 |
| Noninterest income | 226,000 | 400,000 | 596,000 | 800,000 |
| Noninterest expense | 1,124,000 | 2,262,000 | 3,410,000 | 4,562,000 |
| Provision for loan losses | 90,000 | 164,000 | 164,000 | 164,000 |
| Pretax income | 454,000 | 832,000 | 1,330,000 | 1,899,000 |
| Income tax | 152,000 | 263,000 | 427,000 | 639,000 |
| Net income | 302,000 | 569,000 | 903,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,415,000 | 8,603,000 | 8,937,000 | 9,216,000 |
| Total capital | 9,363,000 | 9,607,000 | 9,929,000 | 10,133,000 |
| Risk-weighted assets | 81,573,000 | 83,572,000 | 84,018,000 | 87,013,000 |