Call reports 2012
SOUTHCREST BANK, NATIONAL ASSOCIATION — 2012
What SOUTHCREST BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 156,183,000 | 156,298,000 | 153,977,000 | 151,706,000 |
| Total loans | 85,569,000 | 81,845,000 | 77,402,000 | 77,493,000 |
| Allowance for loan losses | 2,747,000 | 2,682,000 | 1,640,000 | 1,600,000 |
| Securities available for sale | 32,332,000 | 30,936,000 | 33,116,000 | 33,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 138,454,000 | 138,630,000 | 137,012,000 | 134,659,000 |
| Interest-bearing deposits | 111,367,000 | 111,316,000 | 95,853,000 | 96,771,000 |
| Noninterest-bearing deposits | 27,087,000 | 27,314,000 | 41,159,000 | 37,888,000 |
| Equity capital | 15,313,000 | 15,424,000 | 14,686,000 | 14,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,469,000 | 2,849,000 | 4,167,000 | 5,497,000 |
| Interest expense | 119,000 | 230,000 | 330,000 | 424,000 |
| Net interest income | 1,350,000 | 2,619,000 | 3,837,000 | 5,073,000 |
| Noninterest income | 214,000 | 148,000 | -131,000 | 195,000 |
| Noninterest expense | 1,315,000 | 2,594,000 | 4,000,000 | 5,379,000 |
| Provision for loan losses | 0 | 0 | 860,000 | 860,000 |
| Pretax income | 249,000 | 213,000 | -1,114,000 | -931,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 213,000 | -1,114,000 | -931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,560,000 | 14,580,000 | 13,810,000 | 13,748,000 |
| Total capital | 15,602,000 | 15,592,000 | 14,793,000 | 14,742,000 |
| Risk-weighted assets | 81,680,000 | 79,320,000 | 77,904,000 | 78,934,000 |