Call reports 2002
SOUTHERN COMMUNITY BANK AND TRUST — 2002
What SOUTHERN COMMUNITY BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 518,867,000 | 561,945,000 | 593,617,000 | 611,284,000 |
| Total loans | 379,549,000 | 401,686,000 | 410,578,000 | 421,938,000 |
| Allowance for loan losses | 5,693,000 | 5,976,000 | 6,129,000 | 6,342,000 |
| Securities available for sale | 63,479,000 | 81,841,000 | 101,035,000 | 91,575,000 |
| Securities held to maturity | 42,536,000 | 25,892,000 | 31,775,000 | 44,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 408,929,000 | 437,037,000 | 448,463,000 | 449,764,000 |
| Interest-bearing deposits | 376,581,000 | 398,757,000 | 407,590,000 | 407,350,000 |
| Noninterest-bearing deposits | 32,348,000 | 38,280,000 | 40,873,000 | 42,414,000 |
| Equity capital | 51,940,000 | 53,674,000 | 56,239,000 | 56,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 7,532,000 | 15,672,000 | 24,314,000 | 33,230,000 |
| Interest expense | 3,789,000 | 7,532,000 | 11,198,000 | 14,793,000 |
| Net interest income | 3,743,000 | 8,140,000 | 13,116,000 | 18,437,000 |
| Noninterest income | 762,000 | 1,576,000 | 2,584,000 | 3,857,000 |
| Noninterest expense | 3,128,000 | 6,597,000 | 10,431,000 | 14,777,000 |
| Provision for loan losses | 360,000 | 780,000 | 1,180,000 | 1,655,000 |
| Pretax income | 1,017,000 | 2,409,000 | 4,159,000 | 5,932,000 |
| Income tax | 304,000 | 843,000 | 1,281,000 | 1,919,000 |
| Net income | 713,000 | 1,566,000 | 2,878,000 | 4,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,868,000 | 52,472,000 | 53,534,000 | 54,373,000 |
| Total capital | 57,399,000 | 58,187,000 | 59,497,000 | 60,563,000 |
| Risk-weighted assets | 442,351,000 | 457,204,000 | 476,909,000 | 495,291,000 |
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