Call reports 2009
SOUTH STORY BANK & TRUST — 2009
What SOUTH STORY BANK & TRUST 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 | 59,755,000 | 54,402,000 | 57,478,000 | 57,701,000 |
| Total loans | 37,848,000 | 37,791,000 | 39,610,000 | 42,333,000 |
| Allowance for loan losses | 380,000 | 445,000 | 488,000 | 503,000 |
| Securities available for sale | 0 | 0 | 0 | 4,180,000 |
| Securities held to maturity | 4,153,000 | 1,897,000 | 2,981,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,638,000 | 45,337,000 | 48,493,000 | 48,633,000 |
| Interest-bearing deposits | 43,808,000 | 38,619,000 | 42,662,000 | 41,848,000 |
| Noninterest-bearing deposits | 6,830,000 | 6,717,000 | 5,831,000 | 6,785,000 |
| Equity capital | 8,951,000 | 8,861,000 | 8,817,000 | 8,888,000 |
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 | 633,000 | 1,242,000 | 1,886,000 | 2,550,000 |
| Interest expense | 190,000 | 366,000 | 531,000 | 683,000 |
| Net interest income | 443,000 | 876,000 | 1,355,000 | 1,867,000 |
| Noninterest income | 44,000 | 87,000 | 133,000 | 174,000 |
| Noninterest expense | 308,000 | 684,000 | 1,066,000 | 1,464,000 |
| Provision for loan losses | 0 | 65,000 | 130,000 | 155,000 |
| Pretax income | 179,000 | 214,000 | 292,000 | 421,000 |
| Income tax | 9,000 | 13,000 | 15,000 | 21,000 |
| Net income | 170,000 | 201,000 | 277,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,652,000 | 4,584,000 | 4,561,000 | 4,587,000 |
| Total capital | 5,032,000 | 5,029,000 | 5,044,000 | 5,090,000 |
| Risk-weighted assets | 38,359,000 | 36,856,000 | 38,948,000 | 40,911,000 |