Call reports 2012
SOUTHBANK, FEDERAL SAVINGS BANK — 2012
What SOUTHBANK, FEDERAL SAVINGS BANK 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 | 189,028,000 | 188,134,000 | 185,190,000 | 197,764,000 |
| Total loans | 101,599,000 | 96,819,000 | 98,063,000 | 86,090,000 |
| Allowance for loan losses | 1,694,000 | 1,639,000 | 1,418,000 | 1,227,000 |
| Securities available for sale | 46,508,000 | 45,797,000 | 43,584,000 | 43,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,517,000 | 164,490,000 | 161,776,000 | 174,716,000 |
| Interest-bearing deposits | 152,698,000 | 152,630,000 | 149,018,000 | 160,694,000 |
| Noninterest-bearing deposits | 12,819,000 | 11,860,000 | 12,758,000 | 14,022,000 |
| Equity capital | 20,524,000 | 19,799,000 | 19,527,000 | 18,987,000 |
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 | 1,724,000 | 3,422,000 | 5,163,000 | 6,745,000 |
| Interest expense | 352,000 | 692,000 | 1,029,000 | 1,355,000 |
| Net interest income | 1,372,000 | 2,730,000 | 4,134,000 | 5,390,000 |
| Noninterest income | 426,000 | 484,000 | 870,000 | 1,256,000 |
| Noninterest expense | 2,486,000 | 4,842,000 | 7,274,000 | 9,777,000 |
| Provision for loan losses | -13,000 | -22,000 | -36,000 | -303,000 |
| Pretax income | -745,000 | -1,424,000 | -1,930,000 | -2,393,000 |
| Income tax | 17,000 | 33,000 | 32,000 | 14,000 |
| Net income | -762,000 | -1,457,000 | -1,962,000 | -2,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,248,000 | 20,550,000 | 20,045,000 | 19,600,000 |
| Total capital | 22,801,000 | 22,040,000 | 21,524,000 | 20,932,000 |
| Risk-weighted assets | 124,118,000 | 118,972,000 | 118,237,000 | 115,832,000 |