Call reports 2007
SOUTHSTAR BANK, S.S.B. — 2007
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 123,985,000 | 124,559,000 | 130,449,000 | 134,951,000 |
| Total loans | 99,043,000 | 97,083,000 | 99,852,000 | 107,209,000 |
| Allowance for loan losses | 908,000 | 887,000 | 910,000 | 860,000 |
| Securities available for sale | 13,693,000 | 12,731,000 | 13,802,000 | 15,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,747,000 | 102,466,000 | 108,055,000 | 109,410,000 |
| Interest-bearing deposits | 74,242,000 | 77,896,000 | 82,247,000 | 82,501,000 |
| Noninterest-bearing deposits | 23,505,000 | 24,570,000 | 25,808,000 | 26,909,000 |
| Equity capital | 9,524,000 | 9,741,000 | 10,127,000 | 10,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,134,000 | 4,417,000 | 6,794,000 | 9,278,000 |
| Interest expense | 747,000 | 1,573,000 | 2,470,000 | 3,400,000 |
| Net interest income | 1,387,000 | 2,844,000 | 4,324,000 | 5,878,000 |
| Noninterest income | 449,000 | 916,000 | 1,121,000 | 1,327,000 |
| Noninterest expense | 1,196,000 | 2,445,000 | 3,644,000 | 4,972,000 |
| Provision for loan losses | 0 | 40,000 | 40,000 | 40,000 |
| Pretax income | 640,000 | 1,275,000 | 1,761,000 | 2,193,000 |
| Income tax | 214,000 | 419,000 | 603,000 | 617,000 |
| Net income | 426,000 | 856,000 | 1,158,000 | 1,576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,642,000 | 9,918,000 | 10,181,000 | 10,485,000 |
| Total capital | 10,550,000 | 10,805,000 | 11,091,000 | 11,345,000 |
| Risk-weighted assets | 92,087,000 | 92,011,000 | 94,575,000 | 102,108,000 |