Call reports 2006
SOUTHERN BANCORP BANK — 2006
What SOUTHERN BANCORP BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 180,740,000 | 174,594,000 | 176,280,000 | 184,552,000 |
| Total loans | 92,367,000 | 93,439,000 | 97,224,000 | 102,103,000 |
| Allowance for loan losses | 1,803,000 | 1,809,000 | 1,748,000 | 1,746,000 |
| Securities available for sale | 60,596,000 | 59,946,000 | 57,951,000 | 54,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,053,000 | 156,915,000 | 158,071,000 | 165,073,000 |
| Interest-bearing deposits | 149,127,000 | 143,001,000 | 143,745,000 | 150,706,000 |
| Noninterest-bearing deposits | 13,926,000 | 13,914,000 | 14,326,000 | 14,367,000 |
| Equity capital | 15,844,000 | 15,854,000 | 16,263,000 | 17,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,461,000 | 4,981,000 | 7,610,000 | 10,388,000 |
| Interest expense | 935,000 | 1,929,000 | 2,985,000 | 4,168,000 |
| Net interest income | 1,526,000 | 3,052,000 | 4,625,000 | 6,220,000 |
| Noninterest income | 399,000 | 960,000 | 1,454,000 | 1,960,000 |
| Noninterest expense | 1,253,000 | 2,504,000 | 3,816,000 | 5,285,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 180,000 |
| Pretax income | 612,000 | 1,388,000 | 2,083,000 | 2,715,000 |
| Income tax | 139,000 | 341,000 | 507,000 | 673,000 |
| Net income | 473,000 | 1,047,000 | 1,576,000 | 2,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,837,000 | 13,165,000 | 13,194,000 | 14,210,000 |
| Total capital | 14,172,000 | 14,497,000 | 14,593,000 | 15,706,000 |
| Risk-weighted assets | 106,332,000 | 106,082,000 | 111,580,000 | 119,408,000 |