Call reports 2003
SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION — 2003
What SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 47,532,000 | 44,543,000 | 44,822,000 | 51,701,000 |
| Total loans | 33,517,000 | 31,381,000 | 32,418,000 | 36,958,000 |
| Allowance for loan losses | 912,000 | 899,000 | 864,000 | 791,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,031,000 | 4,520,000 | 4,513,000 | 1,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,159,000 | 40,127,000 | 40,311,000 | 42,027,000 |
| Interest-bearing deposits | 34,439,000 | 32,106,000 | 31,800,000 | 30,885,000 |
| Noninterest-bearing deposits | 8,720,000 | 8,021,000 | 8,511,000 | 11,142,000 |
| Equity capital | 4,233,000 | 4,264,000 | 4,319,000 | 9,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 717,000 | 1,350,000 | 1,981,000 | 2,600,000 |
| Interest expense | 230,000 | 425,000 | 609,000 | 789,000 |
| Net interest income | 487,000 | 925,000 | 1,372,000 | 1,811,000 |
| Noninterest income | 153,000 | 330,000 | 533,000 | 677,000 |
| Noninterest expense | 574,000 | 1,158,000 | 1,739,000 | 2,295,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 125,000 |
| Pretax income | -59,000 | -28,000 | 41,000 | 68,000 |
| Income tax | 0 | 0 | 14,000 | 21,000 |
| Net income | -59,000 | -28,000 | 27,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,977,000 | 4,011,000 | 4,072,000 | 9,295,000 |
| Total capital | 4,455,000 | 4,487,000 | 4,545,000 | 9,825,000 |
| Risk-weighted assets | 37,835,000 | 37,691,000 | 37,647,000 | 42,171,000 |
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