Call reports 2009
SOUTHERN COMMUNITY BANK — 2009
What SOUTHERN COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 77,070,000 | 80,174,000 | 81,147,000 | 88,291,000 |
| Total loans | 53,180,000 | 54,418,000 | 60,171,000 | 64,151,000 |
| Allowance for loan losses | 601,000 | 554,000 | 607,000 | 644,000 |
| Securities available for sale | 15,978,000 | 17,273,000 | 14,698,000 | 15,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,767,000 | 59,893,000 | 61,230,000 | 68,304,000 |
| Interest-bearing deposits | 52,942,000 | 55,270,000 | 57,134,000 | 63,501,000 |
| Noninterest-bearing deposits | 3,825,000 | 4,623,000 | 4,096,000 | 4,803,000 |
| Equity capital | 14,069,000 | 14,056,000 | 14,328,000 | 14,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 947,000 | 1,915,000 | 2,925,000 | 3,974,000 |
| Interest expense | 406,000 | 813,000 | 1,195,000 | 1,575,000 |
| Net interest income | 541,000 | 1,102,000 | 1,730,000 | 2,399,000 |
| Noninterest income | 135,000 | 265,000 | 394,000 | 533,000 |
| Noninterest expense | 629,000 | 1,235,000 | 1,832,000 | 2,544,000 |
| Provision for loan losses | 21,000 | 40,000 | 90,000 | 128,000 |
| Pretax income | 26,000 | 92,000 | 202,000 | 260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 26,000 | 92,000 | 202,000 | 260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,977,000 | 14,045,000 | 14,158,000 | 14,249,000 |
| Total capital | 14,578,000 | 14,599,000 | 14,765,000 | 14,893,000 |
| Risk-weighted assets | 58,423,000 | 58,448,000 | 63,125,000 | 67,326,000 |
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