Call reports 2009
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2009
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 225,585,000 | 231,131,000 | 233,904,000 | 232,022,000 |
| Total loans | 175,820,000 | 177,344,000 | 177,914,000 | 178,326,000 |
| Allowance for loan losses | 2,021,000 | 2,023,000 | 2,106,000 | 2,336,000 |
| Securities available for sale | 25,023,000 | 29,083,000 | 31,159,000 | 31,387,000 |
| Securities held to maturity | 620,000 | 615,000 | 607,000 | 596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,759,000 | 186,738,000 | 189,944,000 | 189,318,000 |
| Interest-bearing deposits | 162,154,000 | 166,884,000 | 170,601,000 | 169,531,000 |
| Noninterest-bearing deposits | 19,605,000 | 19,854,000 | 19,343,000 | 19,787,000 |
| Equity capital | 23,739,000 | 24,213,000 | 24,950,000 | 24,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,894,000 | 5,794,000 | 8,783,000 | 11,852,000 |
| Interest expense | 1,065,000 | 2,114,000 | 3,105,000 | 3,960,000 |
| Net interest income | 1,829,000 | 3,680,000 | 5,678,000 | 7,892,000 |
| Noninterest income | 1,009,000 | 2,203,000 | 2,953,000 | 3,706,000 |
| Noninterest expense | 1,871,000 | 4,056,000 | 6,026,000 | 8,713,000 |
| Provision for loan losses | 67,000 | 110,000 | 225,000 | 532,000 |
| Pretax income | 900,000 | 1,717,000 | 2,380,000 | 2,353,000 |
| Income tax | 308,000 | 526,000 | 753,000 | 684,000 |
| Net income | 592,000 | 1,191,000 | 1,627,000 | 1,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,281,000 | 23,847,000 | 24,286,000 | 24,431,000 |
| Total capital | 25,362,000 | 25,939,000 | 26,448,000 | 26,614,000 |
| Risk-weighted assets | 170,488,000 | 172,863,000 | 172,621,000 | 174,373,000 |
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