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Business Summary: Southern Community Bancshares, Inc. holds interest in First Community Bank. The Company's subsidiary, First Community Bank, is a community financial institution. First Community Bank provides various services, including deposit products, such as certificates of deposits, checking and savings accounts, and mortgage financing for purchases, refinances, construction and home improvements. First Community Bank offers personal banking services, such as checking, including Free Checking, Save Check Checking and Senior Excel Checking; savings and investment, including Individual Retirement Account and Kids Club Saving Account; loans and mortgage, including home mortgage and personal loans, and other services, including mobile banking, online banking and safe deposit boxes. First Community Bank offers business banking services, such as Business Savings, Business Money Market and business loans. Its investment services include financial planning and retirement planning.
Financial Summary: BRIEF: For the three months ended 31 December 2000, Southern Commun. Bancshs. interest income increased 7% to $1.2M. Net interest income after loan loss provision increased 3% to $647K. Net income increased 21% to $183K. Net interest income after loan loss provision reflects increase in interest earning assets and decrease in interest bearing liabilities. Net income benefited from Other Expense decrease of 26% to $94K (expense).