Call reports 2013
SOUTHBANK, FEDERAL SAVINGS BANK — 2013
What SOUTHBANK, FEDERAL SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 193,622,000 | 185,506,000 | 170,540,000 | 168,939,000 |
| Total loans | 83,943,000 | 85,329,000 | 84,452,000 | 82,033,000 |
| Allowance for loan losses | 1,304,000 | 1,127,000 | 1,310,000 | 1,027,000 |
| Securities available for sale | 46,566,000 | 47,861,000 | 42,843,000 | 40,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,643,000 | 169,787,000 | 152,833,000 | 152,905,000 |
| Interest-bearing deposits | 157,845,000 | 156,077,000 | 141,358,000 | 141,460,000 |
| Noninterest-bearing deposits | 13,798,000 | 13,710,000 | 11,475,000 | 11,445,000 |
| Equity capital | 17,911,000 | 11,583,000 | 12,647,000 | 11,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,452,000 | 2,966,000 | 4,556,000 | 6,067,000 |
| Interest expense | 321,000 | 651,000 | 954,000 | 1,243,000 |
| Net interest income | 1,131,000 | 2,315,000 | 3,602,000 | 4,824,000 |
| Noninterest income | 243,000 | -2,891,000 | -885,000 | -817,000 |
| Noninterest expense | 2,323,000 | 4,484,000 | 6,578,000 | 8,777,000 |
| Provision for loan losses | 0 | 475,000 | 475,000 | 615,000 |
| Pretax income | -896,000 | -5,423,000 | -4,098,000 | -5,141,000 |
| Income tax | -1,000 | -3,000 | -3,000 | -5,000 |
| Net income | -895,000 | -5,420,000 | -4,095,000 | -5,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,705,000 | 14,180,000 | 15,725,000 | 15,709,000 |
| Total capital | 20,087,000 | 14,576,000 | 16,234,000 | 16,015,000 |
| Risk-weighted assets | 110,499,000 | 112,396,000 | 109,099,000 | 106,936,000 |