Call reports 2005
SOUTHERN BANK AND TRUST COMPANY — 2005
What SOUTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,026,098,000 | 1,032,252,000 | 1,059,362,000 | 1,057,538,000 |
| Total loans | 641,461,000 | 678,505,000 | 698,816,000 | 685,457,000 |
| Allowance for loan losses | 10,450,000 | 10,792,000 | 11,012,000 | 10,921,000 |
| Securities available for sale | 48,749,000 | 46,888,000 | 49,018,000 | 51,352,000 |
| Securities held to maturity | 232,264,000 | 206,935,000 | 199,605,000 | 179,107,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 907,184,000 | 911,964,000 | 931,110,000 | 932,391,000 |
| Interest-bearing deposits | 723,313,000 | 723,745,000 | 732,860,000 | 730,684,000 |
| Noninterest-bearing deposits | 183,871,000 | 188,219,000 | 198,250,000 | 201,707,000 |
| Equity capital | 94,433,000 | 96,070,000 | 99,840,000 | 99,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 12,110,000 | 25,038,000 | 39,095,000 | 53,881,000 |
| Interest expense | 2,904,000 | 6,170,000 | 9,993,000 | 14,160,000 |
| Net interest income | 9,206,000 | 18,868,000 | 29,102,000 | 39,721,000 |
| Noninterest income | 2,543,000 | 5,198,000 | 8,016,000 | 10,459,000 |
| Noninterest expense | 8,720,000 | 17,383,000 | 25,953,000 | 34,461,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 2,729,000 | 6,118,000 | 10,300,000 | 14,554,000 |
| Income tax | 775,000 | 1,890,000 | 3,280,000 | 4,722,000 |
| Net income | 1,954,000 | 4,228,000 | 7,020,000 | 9,832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,291,000 | 78,314,000 | 80,849,000 | 81,028,000 |
| Total capital | 90,257,000 | 92,518,000 | 96,481,000 | 96,719,000 |
| Risk-weighted assets | 661,517,000 | 687,071,000 | 707,576,000 | 698,547,000 |