Call reports 2010
SOUTHSTAR BANK, S.S.B. — 2010
What SOUTHSTAR BANK, S.S.B. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 174,919,000 | 183,753,000 | 206,901,000 | 183,284,000 |
| Total loans | 123,750,000 | 150,018,000 | 174,202,000 | 144,303,000 |
| Allowance for loan losses | 1,031,000 | 1,001,000 | 1,033,000 | 1,117,000 |
| Securities available for sale | 16,552,000 | 13,810,000 | 14,125,000 | 13,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,875,000 | 145,425,000 | 151,029,000 | 156,668,000 |
| Interest-bearing deposits | 115,332,000 | 116,105,000 | 120,589,000 | 124,942,000 |
| Noninterest-bearing deposits | 29,543,000 | 29,320,000 | 30,440,000 | 31,726,000 |
| Equity capital | 13,699,000 | 14,056,000 | 14,674,000 | 15,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,359,000 | 4,971,000 | 7,891,000 | 10,927,000 |
| Interest expense | 662,000 | 1,283,000 | 1,864,000 | 2,426,000 |
| Net interest income | 1,697,000 | 3,688,000 | 6,027,000 | 8,501,000 |
| Noninterest income | 327,000 | 517,000 | 889,000 | 1,262,000 |
| Noninterest expense | 1,499,000 | 3,058,000 | 4,600,000 | 6,269,000 |
| Provision for loan losses | 93,000 | 186,000 | 279,000 | 341,000 |
| Pretax income | 501,000 | 1,102,000 | 2,381,000 | 3,497,000 |
| Income tax | 154,000 | 334,000 | 777,000 | 1,140,000 |
| Net income | 347,000 | 768,000 | 1,604,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,602,000 | 13,984,000 | 14,705,000 | 15,419,000 |
| Total capital | 14,633,000 | 14,985,000 | 15,738,000 | 16,536,000 |
| Risk-weighted assets | 106,368,000 | 111,449,000 | 120,619,000 | 108,947,000 |