Call reports 2012
SOUTH STORY BANK & TRUST — 2012
What SOUTH STORY BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,329,000 | 85,780,000 | 89,435,000 | 95,368,000 |
| Total loans | 62,452,000 | 65,790,000 | 64,000,000 | 67,724,000 |
| Allowance for loan losses | 733,000 | 789,000 | 843,000 | 879,000 |
| Securities available for sale | 7,243,000 | 7,665,000 | 8,557,000 | 10,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,356,000 | 73,444,000 | 76,711,000 | 83,414,000 |
| Interest-bearing deposits | 56,715,000 | 60,912,000 | 63,635,000 | 67,769,000 |
| Noninterest-bearing deposits | 16,641,000 | 12,532,000 | 13,076,000 | 15,645,000 |
| Equity capital | 9,858,000 | 10,199,000 | 10,535,000 | 10,804,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 949,000 | 1,987,000 | 2,998,000 | 4,030,000 |
| Interest expense | 153,000 | 306,000 | 460,000 | 621,000 |
| Net interest income | 796,000 | 1,681,000 | 2,538,000 | 3,409,000 |
| Noninterest income | 138,000 | 258,000 | 399,000 | 551,000 |
| Noninterest expense | 622,000 | 1,242,000 | 1,862,000 | 2,504,000 |
| Provision for loan losses | 41,000 | 91,000 | 145,000 | 199,000 |
| Pretax income | 271,000 | 606,000 | 930,000 | 1,257,000 |
| Income tax | 14,000 | 30,000 | 47,000 | 63,000 |
| Net income | 257,000 | 576,000 | 883,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,639,000 | 6,002,000 | 6,309,000 | 6,642,000 |
| Total capital | 6,372,000 | 6,780,000 | 7,077,000 | 7,441,000 |
| Risk-weighted assets | 60,943,000 | 62,252,000 | 61,385,000 | 63,816,000 |