Call reports 2015
SOUTHERN BANK AND TRUST COMPANY — 2015
What SOUTHERN BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 2,187,548,000 | 2,169,478,000 | 2,213,386,000 | 2,113,101,000 |
| Total loans | 1,108,861,000 | 1,149,099,000 | 1,170,530,000 | 1,171,748,000 |
| Allowance for loan losses | 16,951,000 | 15,281,000 | 15,355,000 | 14,653,000 |
| Securities available for sale | 514,904,000 | 575,529,000 | 591,375,000 | 582,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,883,937,000 | 1,868,103,000 | 1,889,932,000 | 1,808,672,000 |
| Interest-bearing deposits | 1,427,683,000 | 1,392,929,000 | 1,391,612,000 | 1,314,787,000 |
| Noninterest-bearing deposits | 456,254,000 | 475,174,000 | 498,321,000 | 493,885,000 |
| Equity capital | 208,527,000 | 206,248,000 | 207,924,000 | 210,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 19,287,000 | 37,924,000 | 58,552,000 | 78,029,000 |
| Interest expense | 854,000 | 1,672,000 | 2,431,000 | 3,091,000 |
| Net interest income | 18,433,000 | 36,252,000 | 56,121,000 | 74,938,000 |
| Noninterest income | 1,255,000 | 1,405,000 | 1,340,000 | 2,972,000 |
| Noninterest expense | 18,352,000 | 36,492,000 | 54,034,000 | 69,512,000 |
| Provision for loan losses | 159,000 | -1,697,000 | -1,535,000 | -2,162,000 |
| Pretax income | 2,343,000 | 4,164,000 | 6,578,000 | 12,524,000 |
| Income tax | 788,000 | 1,575,000 | 2,474,000 | 4,638,000 |
| Net income | 1,555,000 | 2,589,000 | 4,104,000 | 7,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,653,000 | 199,829,000 | 200,471,000 | 203,373,000 |
| Total capital | 220,182,000 | 220,722,000 | 220,277,000 | 223,485,000 |
| Risk-weighted assets | 1,198,216,000 | 1,244,187,000 | 1,250,738,000 | 1,258,441,000 |