Call reports 2001
SOUTHERN BANK AND TRUST COMPANY — 2001
What SOUTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 813,518,000 | 814,615,000 | 844,632,000 | 840,795,000 |
| Total loans | 511,475,000 | 537,129,000 | 546,093,000 | 545,063,000 |
| Allowance for loan losses | 7,371,000 | 7,296,000 | 7,664,000 | 7,636,000 |
| Securities available for sale | 89,658,000 | 108,123,000 | 101,307,000 | 139,572,000 |
| Securities held to maturity | 90,592,000 | 77,694,000 | 73,352,000 | 49,350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 720,550,000 | 718,451,000 | 743,374,000 | 740,199,000 |
| Interest-bearing deposits | 606,002,000 | 599,826,000 | 616,742,000 | 610,279,000 |
| Noninterest-bearing deposits | 114,548,000 | 118,625,000 | 126,632,000 | 129,921,000 |
| Equity capital | 73,253,000 | 74,271,000 | 74,492,000 | 75,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 14,017,000 | 27,935,000 | 41,727,000 | 54,979,000 |
| Interest expense | 6,842,000 | 13,154,000 | 19,059,000 | 23,910,000 |
| Net interest income | 7,175,000 | 14,781,000 | 22,668,000 | 31,069,000 |
| Noninterest income | 1,676,000 | 3,630,000 | 5,579,000 | 7,998,000 |
| Noninterest expense | 7,310,000 | 14,683,000 | 21,820,000 | 29,558,000 |
| Provision for loan losses | 150,000 | 400,000 | 650,000 | 1,000,000 |
| Pretax income | 3,159,000 | 5,096,000 | 7,545,000 | 10,277,000 |
| Income tax | 886,000 | 1,640,000 | 2,100,000 | 3,177,000 |
| Net income | 2,273,000 | 3,456,000 | 5,445,000 | 7,100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,547,000 | 56,095,000 | 58,398,000 | 60,458,000 |
| Total capital | 64,912,000 | 66,851,000 | 68,146,000 | 70,916,000 |
| Risk-weighted assets | 524,489,000 | 533,074,000 | 544,626,000 | 548,884,000 |