Call reports 2003
BANK OF SOUTHSIDE VIRGINIA, THE — 2003
What BANK OF SOUTHSIDE VIRGINIA, THE 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 | 406,984,000 | 419,665,000 | 412,831,000 | 429,683,000 |
| Total loans | 198,649,000 | 202,949,000 | 200,542,000 | 198,677,000 |
| Allowance for loan losses | 4,661,000 | 4,610,000 | 4,689,000 | 4,975,000 |
| Securities available for sale | 120,049,000 | 132,411,000 | 136,265,000 | 150,215,000 |
| Securities held to maturity | 7,676,000 | 6,305,000 | 5,244,000 | 4,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,552,000 | 357,354,000 | 355,927,000 | 375,278,000 |
| Interest-bearing deposits | 325,272,000 | 328,463,000 | 323,462,000 | 343,643,000 |
| Noninterest-bearing deposits | 25,280,000 | 28,891,000 | 32,465,000 | 31,635,000 |
| Equity capital | 50,414,000 | 55,463,000 | 51,477,000 | 49,553,000 |
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 | 6,248,000 | 12,816,000 | 19,249,000 | 25,543,000 |
| Interest expense | 1,569,000 | 2,998,000 | 4,325,000 | 5,596,000 |
| Net interest income | 4,679,000 | 9,818,000 | 14,924,000 | 19,947,000 |
| Noninterest income | 1,015,000 | 2,127,000 | 3,270,000 | 4,035,000 |
| Noninterest expense | 2,665,000 | 5,429,000 | 8,083,000 | 11,461,000 |
| Provision for loan losses | 0 | 0 | 0 | 585,000 |
| Pretax income | 3,031,000 | 6,523,000 | 10,135,000 | 11,911,000 |
| Income tax | 874,000 | 1,896,000 | 2,945,000 | 3,114,000 |
| Net income | 2,157,000 | 4,627,000 | 7,190,000 | 8,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,911,000 | 43,504,000 | 42,123,000 | 39,643,000 |
| Total capital | 44,571,000 | 47,337,000 | 45,925,000 | 43,491,000 |
| Risk-weighted assets | 291,776,000 | 305,863,000 | 303,287,000 | 306,773,000 |
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