Call reports 2019
SOUTH STORY BANK & TRUST — 2019
What SOUTH STORY BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 205,852,000 | 211,812,000 | 201,150,000 | 242,224,000 |
| Total loans | 170,412,000 | 169,999,000 | 169,712,000 | 205,100,000 |
| Allowance for loan losses | 1,823,000 | 1,944,000 | 2,065,000 | 540,000 |
| Securities available for sale | 18,902,000 | 18,094,000 | 17,690,000 | 17,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,966,000 | 184,770,000 | 172,316,000 | 198,792,000 |
| Interest-bearing deposits | 147,652,000 | 153,172,000 | 142,511,000 | 167,675,000 |
| Noninterest-bearing deposits | 31,314,000 | 31,598,000 | 29,805,000 | 31,117,000 |
| Equity capital | 20,811,000 | 22,008,000 | 23,012,000 | 35,490,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,568,000 | 5,259,000 | 7,926,000 | 1,976,000 |
| Interest expense | 521,000 | 1,092,000 | 1,674,000 | 407,000 |
| Net interest income | 2,047,000 | 4,167,000 | 6,252,000 | 1,569,000 |
| Noninterest income | 327,000 | 586,000 | 1,019,000 | 216,000 |
| Noninterest expense | 1,299,000 | 2,583,000 | 3,951,000 | 925,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 540,000 |
| Pretax income | 953,000 | 1,928,000 | 2,958,000 | 320,000 |
| Income tax | 48,000 | 96,000 | 148,000 | 74,000 |
| Net income | 905,000 | 1,832,000 | 2,810,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,266,000 | 18,193,000 | 19,171,000 | 27,432,000 |
| Total capital | 19,089,000 | 20,137,000 | 21,236,000 | 27,972,000 |
| Risk-weighted assets | 167,237,000 | 162,314,000 | 167,424,000 | 194,444,000 |