Call reports 2003
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2003
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. 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 | 158,955,000 | 158,987,000 | 164,474,000 | 163,230,000 |
| Total loans | 125,946,000 | 132,901,000 | 143,472,000 | 142,706,000 |
| Allowance for loan losses | 966,000 | 1,077,000 | 1,106,000 | 1,196,000 |
| Securities available for sale | 9,248,000 | 9,333,000 | 9,103,000 | 8,458,000 |
| Securities held to maturity | 1,621,000 | 1,344,000 | 1,380,000 | 1,151,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,815,000 | 125,338,000 | 129,636,000 | 127,415,000 |
| Interest-bearing deposits | 113,790,000 | 108,576,000 | 113,492,000 | 113,382,000 |
| Noninterest-bearing deposits | 15,025,000 | 16,762,000 | 16,144,000 | 14,033,000 |
| Equity capital | 15,424,000 | 15,873,000 | 16,068,000 | 16,432,000 |
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 | 2,330,000 | 4,633,000 | 6,974,000 | 9,297,000 |
| Interest expense | 795,000 | 1,498,000 | 2,136,000 | 2,761,000 |
| Net interest income | 1,535,000 | 3,135,000 | 4,838,000 | 6,536,000 |
| Noninterest income | 552,000 | 1,252,000 | 1,861,000 | 2,413,000 |
| Noninterest expense | 1,341,000 | 2,769,000 | 4,353,000 | 5,849,000 |
| Provision for loan losses | 125,000 | 315,000 | 505,000 | 670,000 |
| Pretax income | 662,000 | 1,347,000 | 1,885,000 | 2,474,000 |
| Income tax | 225,000 | 458,000 | 641,000 | 844,000 |
| Net income | 437,000 | 889,000 | 1,244,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,339,000 | 15,767,000 | 16,091,000 | 16,442,000 |
| Total capital | 16,305,000 | 16,844,000 | 17,197,000 | 17,638,000 |
| Risk-weighted assets | 116,704,000 | 121,441,000 | 126,653,000 | 126,098,000 |
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