Call reports 2007
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2007
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 197,256,000 | 192,796,000 | 192,818,000 | 193,820,000 |
| Total loans | 160,451,000 | 159,427,000 | 163,217,000 | 161,363,000 |
| Allowance for loan losses | 2,029,000 | 1,965,000 | 1,982,000 | 1,787,000 |
| Securities available for sale | 8,984,000 | 6,836,000 | 8,735,000 | 10,423,000 |
| Securities held to maturity | 544,000 | 535,000 | 689,000 | 680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,916,000 | 157,559,000 | 157,635,000 | 160,404,000 |
| Interest-bearing deposits | 142,609,000 | 138,739,000 | 138,893,000 | 142,033,000 |
| Noninterest-bearing deposits | 18,307,000 | 18,820,000 | 18,742,000 | 18,371,000 |
| Equity capital | 20,863,000 | 21,394,000 | 22,109,000 | 20,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,273,000 | 6,581,000 | 10,000,000 | 13,265,000 |
| Interest expense | 1,399,000 | 2,798,000 | 4,221,000 | 5,667,000 |
| Net interest income | 1,874,000 | 3,783,000 | 5,779,000 | 7,598,000 |
| Noninterest income | 687,000 | 1,560,000 | 2,438,000 | 3,326,000 |
| Noninterest expense | 1,797,000 | 3,635,000 | 5,462,000 | 7,290,000 |
| Provision for loan losses | 85,000 | 85,000 | 120,000 | 282,000 |
| Pretax income | 679,000 | 1,623,000 | 2,635,000 | 3,352,000 |
| Income tax | 238,000 | 568,000 | 922,000 | 1,177,000 |
| Net income | 441,000 | 1,055,000 | 1,713,000 | 2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,920,000 | 21,494,000 | 22,152,000 | 20,855,000 |
| Total capital | 22,746,000 | 23,307,000 | 24,002,000 | 22,699,000 |
| Risk-weighted assets | 145,898,000 | 145,596,000 | 147,871,000 | 146,657,000 |
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