Call reports 2005
SOUTHERN BANCORP BANK — 2005
What SOUTHERN BANCORP BANK 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 | 169,790,000 | 173,316,000 | 171,184,000 | 176,299,000 |
| Total loans | 88,233,000 | 89,075,000 | 91,589,000 | 92,758,000 |
| Allowance for loan losses | 1,982,000 | 2,005,000 | 1,719,000 | 1,787,000 |
| Securities available for sale | 64,140,000 | 66,107,000 | 63,266,000 | 60,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,975,000 | 151,438,000 | 152,441,000 | 158,581,000 |
| Interest-bearing deposits | 137,814,000 | 137,982,000 | 138,533,000 | 146,077,000 |
| Noninterest-bearing deposits | 12,161,000 | 13,456,000 | 13,908,000 | 12,504,000 |
| Equity capital | 15,647,000 | 15,790,000 | 16,000,000 | 15,929,000 |
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 | 2,094,000 | 4,272,000 | 6,552,000 | 8,931,000 |
| Interest expense | 620,000 | 1,327,000 | 2,084,000 | 2,899,000 |
| Net interest income | 1,474,000 | 2,945,000 | 4,468,000 | 6,032,000 |
| Noninterest income | 436,000 | 923,000 | 1,445,000 | 1,944,000 |
| Noninterest expense | 1,386,000 | 2,763,000 | 4,120,000 | 5,446,000 |
| Provision for loan losses | 0 | 0 | 0 | 84,000 |
| Pretax income | 524,000 | 1,105,000 | 1,792,000 | 2,448,000 |
| Income tax | 94,000 | 220,000 | 388,000 | 551,000 |
| Net income | 430,000 | 885,000 | 1,404,000 | 1,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,325,000 | 12,281,000 | 12,600,000 | 12,865,000 |
| Total capital | 13,562,000 | 13,543,000 | 13,884,000 | 14,188,000 |
| Risk-weighted assets | 98,242,000 | 100,209,000 | 102,314,000 | 105,399,000 |