Call reports 2004
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2004
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. 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 | 166,639,000 | 169,317,000 | 177,935,000 | 172,142,000 |
| Total loans | 138,334,000 | 145,053,000 | 148,713,000 | 150,215,000 |
| Allowance for loan losses | 1,335,000 | 1,469,000 | 1,608,000 | 1,682,000 |
| Securities available for sale | 8,942,000 | 8,523,000 | 7,551,000 | 8,398,000 |
| Securities held to maturity | 1,093,000 | 983,000 | 810,000 | 758,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,227,000 | 134,083,000 | 142,613,000 | 137,632,000 |
| Interest-bearing deposits | 116,275,000 | 118,460,000 | 127,238,000 | 122,670,000 |
| Noninterest-bearing deposits | 13,952,000 | 15,623,000 | 15,375,000 | 14,962,000 |
| Equity capital | 16,551,000 | 16,788,000 | 17,260,000 | 17,495,000 |
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 | 2,253,000 | 4,486,000 | 6,854,000 | 9,271,000 |
| Interest expense | 610,000 | 1,243,000 | 1,929,000 | 2,652,000 |
| Net interest income | 1,643,000 | 3,243,000 | 4,925,000 | 6,619,000 |
| Noninterest income | 680,000 | 1,565,000 | 2,314,000 | 2,972,000 |
| Noninterest expense | 1,581,000 | 3,266,000 | 4,990,000 | 6,838,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 592,000 | 1,242,000 | 1,799,000 | 2,203,000 |
| Income tax | 201,000 | 422,000 | 612,000 | 753,000 |
| Net income | 391,000 | 820,000 | 1,187,000 | 1,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,533,000 | 16,952,000 | 17,274,000 | 17,532,000 |
| Total capital | 17,868,000 | 18,421,000 | 18,882,000 | 19,214,000 |
| Risk-weighted assets | 125,376,000 | 132,086,000 | 136,235,000 | 138,132,000 |
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