Call reports 2010
SOUTH STORY BANK & TRUST — 2010
What SOUTH STORY BANK & TRUST 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 | 59,224,000 | 62,277,000 | 63,195,000 | 69,342,000 |
| Total loans | 43,355,000 | 44,922,000 | 46,817,000 | 46,909,000 |
| Allowance for loan losses | 526,000 | 545,000 | 561,000 | 567,000 |
| Securities available for sale | 5,375,000 | 4,089,000 | 5,349,000 | 6,933,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,098,000 | 50,985,000 | 51,735,000 | 57,885,000 |
| Interest-bearing deposits | 41,459,000 | 44,550,000 | 44,258,000 | 47,563,000 |
| Noninterest-bearing deposits | 7,639,000 | 6,435,000 | 7,477,000 | 10,322,000 |
| Equity capital | 8,967,000 | 9,058,000 | 9,207,000 | 9,179,000 |
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 | 681,000 | 1,393,000 | 2,148,000 | 2,948,000 |
| Interest expense | 137,000 | 271,000 | 415,000 | 562,000 |
| Net interest income | 544,000 | 1,122,000 | 1,733,000 | 2,386,000 |
| Noninterest income | 52,000 | 103,000 | 192,000 | 242,000 |
| Noninterest expense | 391,000 | 788,000 | 1,234,000 | 1,720,000 |
| Provision for loan losses | 21,000 | 43,000 | 57,000 | 63,000 |
| Pretax income | 184,000 | 394,000 | 634,000 | 845,000 |
| Income tax | 9,000 | 19,000 | 32,000 | 42,000 |
| Net income | 175,000 | 375,000 | 602,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,662,000 | 4,765,000 | 4,894,000 | 4,986,000 |
| Total capital | 5,182,000 | 5,308,000 | 5,455,000 | 5,553,000 |
| Risk-weighted assets | 41,954,000 | 43,784,000 | 45,584,000 | 47,941,000 |