Call reports 2001
SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION — 2001
What SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 61,232,000 | 58,542,000 | 58,428,000 | 61,017,000 |
| Total loans | 40,823,000 | 38,594,000 | 40,628,000 | 41,574,000 |
| Allowance for loan losses | 1,249,000 | 1,293,000 | 1,187,000 | 1,129,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,000,000 | 1,500,000 | 1,500,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,775,000 | 53,017,000 | 52,694,000 | 55,394,000 |
| Interest-bearing deposits | 46,843,000 | 46,591,000 | 45,629,000 | 47,702,000 |
| Noninterest-bearing deposits | 8,932,000 | 6,426,000 | 7,065,000 | 7,692,000 |
| Equity capital | 5,071,000 | 5,159,000 | 5,227,000 | 5,271,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,295,000 | 2,488,000 | 3,564,000 | 4,561,000 |
| Interest expense | 680,000 | 1,316,000 | 1,851,000 | 2,302,000 |
| Net interest income | 615,000 | 1,172,000 | 1,713,000 | 2,259,000 |
| Noninterest income | 179,000 | 426,000 | 630,000 | 886,000 |
| Noninterest expense | 708,000 | 1,354,000 | 1,998,000 | 2,684,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 100,000 |
| Pretax income | 86,000 | 219,000 | 320,000 | 361,000 |
| Income tax | 29,000 | 74,000 | 107,000 | 124,000 |
| Net income | 57,000 | 145,000 | 213,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,071,000 | 5,159,000 | 5,227,000 | 5,271,000 |
| Total capital | 5,696,000 | 5,753,000 | 5,835,000 | 5,891,000 |
| Risk-weighted assets | 49,366,000 | 46,807,000 | 48,038,000 | 49,120,000 |
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