Call reports 2004
BANK OF SOUTHSIDE VIRGINIA, THE — 2004
What BANK OF SOUTHSIDE VIRGINIA, THE 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 | 430,440,000 | 421,443,000 | 420,978,000 | 422,038,000 |
| Total loans | 199,321,000 | 206,738,000 | 203,490,000 | 206,176,000 |
| Allowance for loan losses | 4,988,000 | 5,053,000 | 4,915,000 | 4,975,000 |
| Securities available for sale | 158,073,000 | 150,995,000 | 181,119,000 | 183,100,000 |
| Securities held to maturity | 3,704,000 | 3,430,000 | 2,870,000 | 2,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,130,000 | 366,486,000 | 359,091,000 | 365,230,000 |
| Interest-bearing deposits | 339,304,000 | 335,853,000 | 330,788,000 | 332,249,000 |
| Noninterest-bearing deposits | 30,826,000 | 30,633,000 | 28,303,000 | 32,981,000 |
| Equity capital | 53,820,000 | 51,161,000 | 56,884,000 | 52,071,000 |
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 | 6,226,000 | 12,363,000 | 18,624,000 | 24,778,000 |
| Interest expense | 1,215,000 | 2,397,000 | 3,595,000 | 4,791,000 |
| Net interest income | 5,011,000 | 9,966,000 | 15,029,000 | 19,987,000 |
| Noninterest income | 1,091,000 | 2,198,000 | 3,395,000 | 4,529,000 |
| Noninterest expense | 2,720,000 | 5,411,000 | 8,162,000 | 11,859,000 |
| Provision for loan losses | 0 | 0 | 0 | 61,000 |
| Pretax income | 3,388,000 | 6,774,000 | 10,378,000 | 12,718,000 |
| Income tax | 977,000 | 1,931,000 | 2,956,000 | 3,108,000 |
| Net income | 2,411,000 | 4,843,000 | 7,422,000 | 9,610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,176,000 | 44,731,000 | 47,434,000 | 43,695,000 |
| Total capital | 45,989,000 | 48,619,000 | 51,478,000 | 47,855,000 |
| Risk-weighted assets | 303,846,000 | 309,846,000 | 322,657,000 | 332,024,000 |
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