Call reports 2003
SOUTHCREST BANK, NATIONAL ASSOCIATION — 2003
What SOUTHCREST 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 | 150,204,000 | 150,759,000 | 147,429,000 | 146,787,000 |
| Total loans | 87,500,000 | 87,791,000 | 90,818,000 | 90,875,000 |
| Allowance for loan losses | 1,202,000 | 1,262,000 | 1,262,000 | 1,225,000 |
| Securities available for sale | 45,937,000 | 42,326,000 | 43,650,000 | 40,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,150,000 | 130,772,000 | 127,537,000 | 127,555,000 |
| Interest-bearing deposits | 107,175,000 | 107,825,000 | 106,299,000 | 106,107,000 |
| Noninterest-bearing deposits | 23,975,000 | 22,947,000 | 21,238,000 | 21,448,000 |
| Equity capital | 18,037,000 | 18,408,000 | 18,322,000 | 18,746,000 |
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 | 2,172,000 | 4,288,000 | 6,310,000 | 8,413,000 |
| Interest expense | 441,000 | 832,000 | 1,187,000 | 1,521,000 |
| Net interest income | 1,731,000 | 3,456,000 | 5,123,000 | 6,892,000 |
| Noninterest income | 391,000 | 776,000 | 1,152,000 | 1,507,000 |
| Noninterest expense | 1,288,000 | 2,555,000 | 3,812,000 | 4,970,000 |
| Provision for loan losses | 56,000 | 112,000 | 169,000 | 169,000 |
| Pretax income | 778,000 | 1,565,000 | 2,294,000 | 3,260,000 |
| Income tax | 233,000 | 473,000 | 695,000 | 1,006,000 |
| Net income | 545,000 | 1,092,000 | 1,599,000 | 2,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,354,000 | 16,795,000 | 17,207,000 | 17,724,000 |
| Total capital | 17,387,000 | 17,847,000 | 18,285,000 | 18,784,000 |
| Risk-weighted assets | 82,456,000 | 83,976,000 | 86,053,000 | 84,605,000 |
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