Call reports 2007
SOUTHERN COMMUNITY BANK AND TRUST — 2007
What SOUTHERN COMMUNITY BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,505,781,000 | 1,514,711,000 | 1,541,356,000 | 1,566,515,000 |
| Total loans | 1,085,479,000 | 1,109,442,000 | 1,158,168,000 | 1,190,367,000 |
| Allowance for loan losses | 13,417,000 | 13,677,000 | 14,197,000 | 14,258,000 |
| Securities available for sale | 165,092,000 | 159,856,000 | 157,797,000 | 146,239,000 |
| Securities held to maturity | 83,171,000 | 76,190,000 | 75,921,000 | 69,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,080,554,000 | 1,007,803,000 | 1,042,394,000 | 1,053,032,000 |
| Interest-bearing deposits | 967,543,000 | 895,661,000 | 931,676,000 | 943,137,000 |
| Noninterest-bearing deposits | 113,011,000 | 112,142,000 | 110,718,000 | 109,895,000 |
| Equity capital | 168,304,000 | 169,402,000 | 173,303,000 | 177,107,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 23,574,000 | 48,202,000 | 73,569,000 | 98,963,000 |
| Interest expense | 12,361,000 | 25,182,000 | 38,751,000 | 52,028,000 |
| Net interest income | 11,213,000 | 23,020,000 | 34,818,000 | 46,935,000 |
| Noninterest income | 3,106,000 | 5,887,000 | 8,402,000 | 11,261,000 |
| Noninterest expense | 9,669,000 | 19,777,000 | 30,004,000 | 40,387,000 |
| Provision for loan losses | 850,000 | 1,450,000 | 2,025,000 | 2,775,000 |
| Pretax income | 3,800,000 | 7,680,000 | 11,191,000 | 15,034,000 |
| Income tax | 1,292,000 | 2,612,000 | 3,808,000 | 5,098,000 |
| Net income | 2,508,000 | 5,068,000 | 7,383,000 | 9,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 117,142,000 | 119,805,000 | 122,222,000 | 124,870,000 |
| Total capital | 130,559,000 | 133,482,000 | 136,419,000 | 139,128,000 |
| Risk-weighted assets | 1,225,834,000 | 1,247,813,000 | 1,282,635,000 | 1,311,775,000 |
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