Call reports 2004
SOUTHCREST BANK, NATIONAL ASSOCIATION — 2004
What SOUTHCREST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,455,000 | 149,554,000 | 154,828,000 | 154,621,000 |
| Total loans | 92,593,000 | 95,396,000 | 99,277,000 | 96,160,000 |
| Allowance for loan losses | 1,233,000 | 1,280,000 | 1,261,000 | 1,239,000 |
| Securities available for sale | 38,587,000 | 43,009,000 | 37,438,000 | 38,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,466,000 | 129,596,000 | 128,422,000 | 128,922,000 |
| Interest-bearing deposits | 105,120,000 | 106,642,000 | 106,463,000 | 107,884,000 |
| Noninterest-bearing deposits | 23,346,000 | 22,954,000 | 21,959,000 | 21,038,000 |
| Equity capital | 19,242,000 | 18,941,000 | 23,617,000 | 23,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,080,000 | 4,163,000 | 0 | 2,156,000 |
| Interest expense | 314,000 | 627,000 | 0 | 334,000 |
| Net interest income | 1,766,000 | 3,536,000 | 0 | 1,822,000 |
| Noninterest income | 414,000 | 833,000 | 0 | 409,000 |
| Noninterest expense | 1,291,000 | 2,564,000 | 0 | 1,477,000 |
| Provision for loan losses | 37,000 | 94,000 | 0 | 0 |
| Pretax income | 852,000 | 1,711,000 | 0 | 754,000 |
| Income tax | 262,000 | 525,000 | 0 | 229,000 |
| Net income | 590,000 | 1,186,000 | 0 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,181,000 | 18,670,000 | 17,580,000 | 17,535,000 |
| Total capital | 19,263,000 | 19,774,000 | 18,710,000 | 18,629,000 |
| Risk-weighted assets | 86,407,000 | 88,156,000 | 90,302,000 | 87,384,000 |
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