Call reports 2004
SOUTHERN BANCORP BANK, NATIONAL ASSOCIATION — 2004
What SOUTHERN BANCORP BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 183,109,000 | 182,414,000 | 178,402,000 | 178,124,000 |
| Total loans | 75,448,000 | 86,820,000 | 83,524,000 | 70,264,000 |
| Allowance for loan losses | 2,799,000 | 2,862,000 | 2,924,000 | 2,883,000 |
| Securities available for sale | 77,512,000 | 72,540,000 | 71,654,000 | 78,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,740,000 | 144,455,000 | 146,398,000 | 154,303,000 |
| Interest-bearing deposits | 117,158,000 | 113,261,000 | 114,277,000 | 115,025,000 |
| Noninterest-bearing deposits | 37,582,000 | 31,194,000 | 32,121,000 | 39,278,000 |
| Equity capital | 22,896,000 | 22,103,000 | 22,453,000 | 22,984,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,021,000 | 4,128,000 | 6,313,000 | 8,315,000 |
| Interest expense | 372,000 | 738,000 | 1,126,000 | 1,470,000 |
| Net interest income | 1,649,000 | 3,390,000 | 5,187,000 | 6,845,000 |
| Noninterest income | 546,000 | 1,025,000 | 1,521,000 | 2,271,000 |
| Noninterest expense | 1,481,000 | 2,919,000 | 4,387,000 | 5,802,000 |
| Provision for loan losses | 92,000 | 181,000 | 261,000 | 336,000 |
| Pretax income | 622,000 | 1,315,000 | 2,060,000 | 2,990,000 |
| Income tax | 137,000 | 283,000 | 455,000 | 697,000 |
| Net income | 485,000 | 1,032,000 | 1,605,000 | 2,293,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,364,000 | 16,911,000 | 16,469,000 | 17,158,000 |
| Total capital | 17,575,000 | 18,213,000 | 17,741,000 | 18,329,000 |
| Risk-weighted assets | 95,254,000 | 102,583,000 | 100,094,000 | 91,945,000 |