Call reports 2005
SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION — 2005
What SOUTHERN COMMERCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,264,000 | 83,070,000 | 93,252,000 | 91,894,000 |
| Total loans | 55,420,000 | 72,982,000 | 66,661,000 | 81,700,000 |
| Allowance for loan losses | 813,000 | 822,000 | 833,000 | 828,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,219,000 | 72,664,000 | 82,554,000 | 81,240,000 |
| Interest-bearing deposits | 63,643,000 | 55,307,000 | 69,196,000 | 62,597,000 |
| Noninterest-bearing deposits | 13,576,000 | 17,357,000 | 13,358,000 | 18,643,000 |
| Equity capital | 9,710,000 | 9,895,000 | 10,043,000 | 10,307,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,280,000 | 2,495,000 | 3,845,000 | 5,338,000 |
| Interest expense | 346,000 | 780,000 | 1,323,000 | 1,917,000 |
| Net interest income | 934,000 | 1,715,000 | 2,522,000 | 3,421,000 |
| Noninterest income | 290,000 | 622,000 | 1,005,000 | 1,339,000 |
| Noninterest expense | 793,000 | 1,611,000 | 2,597,000 | 3,477,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 431,000 | 726,000 | 930,000 | 1,283,000 |
| Income tax | 159,000 | 269,000 | 326,000 | 414,000 |
| Net income | 272,000 | 457,000 | 604,000 | 869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,710,000 | 9,895,000 | 10,043,000 | 10,307,000 |
| Total capital | 10,414,000 | 10,661,000 | 10,831,000 | 11,135,000 |
| Risk-weighted assets | 56,199,000 | 61,219,000 | 63,033,000 | 68,731,000 |
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