Call reports 2005
SOUTHCREST BANK, NATIONAL ASSOCIATION — 2005
What SOUTHCREST 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 | 156,346,000 | 160,860,000 | 165,172,000 | 166,261,000 |
| Total loans | 94,222,000 | 98,734,000 | 103,508,000 | 102,573,000 |
| Allowance for loan losses | 1,237,000 | 1,237,000 | 1,298,000 | 1,286,000 |
| Securities available for sale | 43,593,000 | 46,123,000 | 44,591,000 | 44,120,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,256,000 | 135,528,000 | 140,409,000 | 141,487,000 |
| Interest-bearing deposits | 110,110,000 | 110,898,000 | 118,113,000 | 119,752,000 |
| Noninterest-bearing deposits | 21,146,000 | 24,630,000 | 22,296,000 | 21,735,000 |
| Equity capital | 22,937,000 | 23,423,000 | 23,782,000 | 23,897,000 |
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 | 2,002,000 | 4,133,000 | 6,368,000 | 8,733,000 |
| Interest expense | 372,000 | 802,000 | 1,306,000 | 1,894,000 |
| Net interest income | 1,630,000 | 3,331,000 | 5,062,000 | 6,839,000 |
| Noninterest income | 415,000 | 817,000 | 1,194,000 | 1,382,000 |
| Noninterest expense | 1,310,000 | 2,535,000 | 3,850,000 | 5,150,000 |
| Provision for loan losses | 19,000 | 79,000 | 194,000 | 231,000 |
| Pretax income | 716,000 | 1,534,000 | 2,212,000 | 2,840,000 |
| Income tax | 246,000 | 509,000 | 716,000 | 908,000 |
| Net income | 470,000 | 1,025,000 | 1,496,000 | 1,932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,746,000 | 19,792,000 | 19,709,000 | 20,080,000 |
| Total capital | 18,846,000 | 20,963,000 | 20,946,000 | 21,306,000 |
| Risk-weighted assets | 87,899,000 | 94,202,000 | 98,900,000 | 98,007,000 |
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