Call reports 2015
SOUTHERN BANK & TRUST — 2015
What SOUTHERN BANK & TRUST 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 | 126,057,000 | 124,567,000 | 125,344,000 | 128,966,000 |
| Total loans | 79,112,000 | 78,794,000 | 89,268,000 | 94,496,000 |
| Allowance for loan losses | 1,639,000 | 1,772,000 | 1,773,000 | 1,793,000 |
| Securities available for sale | 28,671,000 | 28,570,000 | 24,792,000 | 23,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,113,000 | 110,652,000 | 110,999,000 | 114,333,000 |
| Interest-bearing deposits | 97,478,000 | 97,205,000 | 95,997,000 | 96,003,000 |
| Noninterest-bearing deposits | 14,635,000 | 13,447,000 | 15,002,000 | 18,330,000 |
| Equity capital | 12,936,000 | 12,947,000 | 13,268,000 | 13,545,000 |
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 | 1,152,000 | 2,392,000 | 3,719,000 | 5,107,000 |
| Interest expense | 94,000 | 191,000 | 284,000 | 378,000 |
| Net interest income | 1,058,000 | 2,201,000 | 3,435,000 | 4,729,000 |
| Noninterest income | 88,000 | 250,000 | 391,000 | 528,000 |
| Noninterest expense | 858,000 | 1,886,000 | 2,899,000 | 3,944,000 |
| Provision for loan losses | 21,000 | 28,000 | 28,000 | 64,000 |
| Pretax income | 267,000 | 560,000 | 933,000 | 1,296,000 |
| Income tax | 80,000 | 171,000 | 296,000 | 395,000 |
| Net income | 187,000 | 389,000 | 637,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,692,000 | 12,897,000 | 13,146,000 | 13,409,000 |
| Total capital | 13,741,000 | 13,979,000 | 14,309,000 | 14,693,000 |
| Risk-weighted assets | 83,407,000 | 86,006,000 | 92,587,000 | 102,278,000 |