Call reports 2015
SOUTH STORY BANK & TRUST — 2015
What SOUTH STORY BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,305,000 | 137,177,000 | 143,640,000 | 147,951,000 |
| Total loans | 103,842,000 | 108,284,000 | 109,570,000 | 114,363,000 |
| Allowance for loan losses | 1,312,000 | 1,615,000 | 1,582,000 | 1,451,000 |
| Securities available for sale | 13,044,000 | 13,165,000 | 14,277,000 | 14,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,847,000 | 118,718,000 | 124,754,000 | 128,948,000 |
| Interest-bearing deposits | 94,188,000 | 96,001,000 | 96,197,000 | 102,028,000 |
| Noninterest-bearing deposits | 20,659,000 | 22,717,000 | 28,557,000 | 26,920,000 |
| Equity capital | 14,330,000 | 14,333,000 | 14,686,000 | 14,931,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,407,000 | 2,902,000 | 4,470,000 | 6,060,000 |
| Interest expense | 147,000 | 300,000 | 461,000 | 629,000 |
| Net interest income | 1,260,000 | 2,602,000 | 4,009,000 | 5,431,000 |
| Noninterest income | 114,000 | 238,000 | 348,000 | 531,000 |
| Noninterest expense | 880,000 | 1,813,000 | 2,794,000 | 3,858,000 |
| Provision for loan losses | 48,000 | 351,000 | 399,000 | 447,000 |
| Pretax income | 446,000 | 676,000 | 1,164,000 | 1,657,000 |
| Income tax | 22,000 | 34,000 | 58,000 | 83,000 |
| Net income | 424,000 | 642,000 | 1,106,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,532,000 | 10,599,000 | 10,911,000 | 11,227,000 |
| Total capital | 11,821,000 | 11,931,000 | 12,225,000 | 12,573,000 |
| Risk-weighted assets | 103,130,000 | 106,283,000 | 104,866,000 | 107,579,000 |