Call reports 2001
SOUTHERN EXCHANGE BANK — 2001
What SOUTHERN EXCHANGE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 320,445,000 | 365,090,000 | 397,914,000 | 470,450,000 |
| Total loans | 142,248,000 | 148,486,000 | 147,425,000 | 137,204,000 |
| Allowance for loan losses | 1,619,000 | 1,686,000 | 1,726,000 | 1,862,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 124,270,000 | 173,545,000 | 204,715,000 | 286,887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,631,000 | 227,702,000 | 245,168,000 | 356,691,000 |
| Interest-bearing deposits | 194,704,000 | 174,781,000 | 194,899,000 | 320,879,000 |
| Noninterest-bearing deposits | 39,927,000 | 52,921,000 | 50,269,000 | 35,812,000 |
| Equity capital | 42,424,000 | 42,821,000 | 43,606,000 | 42,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 5,351,000 | 10,589,000 | 16,657,000 | 23,601,000 |
| Interest expense | 3,149,000 | 6,108,000 | 9,441,000 | 13,125,000 |
| Net interest income | 2,202,000 | 4,481,000 | 7,216,000 | 10,476,000 |
| Noninterest income | 783,000 | 1,632,000 | 2,475,000 | 3,319,000 |
| Noninterest expense | 2,163,000 | 4,289,000 | 6,523,000 | 8,833,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 560,000 |
| Pretax income | 702,000 | 1,584,000 | 2,808,000 | 4,402,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 702,000 | 1,584,000 | 2,808,000 | 4,402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,944,000 | 38,389,000 | 39,221,000 | 38,408,000 |
| Total capital | 39,563,000 | 40,075,000 | 40,947,000 | 40,270,000 |
| Risk-weighted assets | 193,673,000 | 206,499,000 | 213,794,000 | 221,039,000 |