Call reports 2009
SOUTHSTAR BANK, S.S.B. — 2009
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 166,317,000 | 162,313,000 | 168,419,000 | 172,018,000 |
| Total loans | 138,861,000 | 130,567,000 | 120,146,000 | 133,490,000 |
| Allowance for loan losses | 809,000 | 874,000 | 954,000 | 1,014,000 |
| Securities available for sale | 8,373,000 | 14,412,000 | 9,988,000 | 16,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,082,000 | 132,450,000 | 137,400,000 | 141,232,000 |
| Interest-bearing deposits | 101,893,000 | 104,499,000 | 109,017,000 | 112,527,000 |
| Noninterest-bearing deposits | 28,189,000 | 27,951,000 | 28,383,000 | 28,705,000 |
| Equity capital | 12,551,000 | 12,672,000 | 13,074,000 | 13,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,755,000 | 5,423,000 | 7,946,000 | 10,444,000 |
| Interest expense | 837,000 | 1,631,000 | 2,377,000 | 3,104,000 |
| Net interest income | 1,918,000 | 3,792,000 | 5,569,000 | 7,340,000 |
| Noninterest income | 262,000 | 570,000 | 853,000 | 1,075,000 |
| Noninterest expense | 1,412,000 | 2,871,000 | 4,310,000 | 5,869,000 |
| Provision for loan losses | 75,000 | 225,000 | 362,000 | 362,000 |
| Pretax income | 1,106,000 | 1,679,000 | 2,266,000 | 2,700,000 |
| Income tax | 354,000 | 686,000 | 878,000 | 1,001,000 |
| Net income | 752,000 | 993,000 | 1,388,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,539,000 | 12,740,000 | 13,022,000 | 13,294,000 |
| Total capital | 13,348,000 | 13,614,000 | 13,976,000 | 14,308,000 |
| Risk-weighted assets | 111,487,000 | 107,977,000 | 107,773,000 | 108,900,000 |