Call reports 2012
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2012
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 226,995,000 | 228,649,000 | 221,186,000 | 225,362,000 |
| Total loans | 153,865,000 | 155,582,000 | 151,048,000 | 148,119,000 |
| Allowance for loan losses | 3,073,000 | 3,058,000 | 2,950,000 | 2,974,000 |
| Securities available for sale | 42,065,000 | 40,239,000 | 36,592,000 | 48,418,000 |
| Securities held to maturity | 529,000 | 527,000 | 523,000 | 520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,421,000 | 191,620,000 | 183,851,000 | 184,835,000 |
| Interest-bearing deposits | 166,215,000 | 165,696,000 | 158,572,000 | 159,845,000 |
| Noninterest-bearing deposits | 24,206,000 | 25,924,000 | 25,279,000 | 24,990,000 |
| Equity capital | 26,646,000 | 27,007,000 | 27,471,000 | 27,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,440,000 | 6,796,000 | 8,960,000 |
| Interest expense | 413,000 | 796,000 | 1,160,000 | 1,499,000 |
| Net interest income | 1,787,000 | 3,644,000 | 5,636,000 | 7,461,000 |
| Noninterest income | 764,000 | 1,375,000 | 2,146,000 | 3,035,000 |
| Noninterest expense | 2,033,000 | 4,123,000 | 6,255,000 | 8,299,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 85,000 |
| Pretax income | 498,000 | 876,000 | 1,509,000 | 2,115,000 |
| Income tax | 149,000 | 256,000 | 450,000 | 639,000 |
| Net income | 349,000 | 620,000 | 1,059,000 | 1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,219,000 | 26,490,000 | 26,929,000 | 27,346,000 |
| Total capital | 28,142,000 | 28,435,000 | 28,812,000 | 29,204,000 |
| Risk-weighted assets | 152,627,000 | 154,377,000 | 149,465,000 | 147,396,000 |