Call reports 2013
SOUTH CENTRAL BANK OF BOWLING GREEN, INC. — 2013
What SOUTH CENTRAL BANK OF BOWLING GREEN, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 221,984,000 | 224,434,000 | 218,432,000 | 222,205,000 |
| Total loans | 140,304,000 | 137,653,000 | 130,502,000 | 130,730,000 |
| Allowance for loan losses | 2,899,000 | 2,856,000 | 2,747,000 | 2,750,000 |
| Securities available for sale | 48,688,000 | 53,511,000 | 53,480,000 | 56,485,000 |
| Securities held to maturity | 508,000 | 505,000 | 502,000 | 497,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,947,000 | 188,136,000 | 182,035,000 | 183,269,000 |
| Interest-bearing deposits | 160,096,000 | 159,672,000 | 153,201,000 | 155,296,000 |
| Noninterest-bearing deposits | 26,851,000 | 28,464,000 | 28,834,000 | 27,973,000 |
| Equity capital | 27,991,000 | 27,025,000 | 27,120,000 | 27,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,125,000 | 4,180,000 | 6,251,000 | 8,170,000 |
| Interest expense | 296,000 | 573,000 | 819,000 | 1,054,000 |
| Net interest income | 1,829,000 | 3,607,000 | 5,432,000 | 7,116,000 |
| Noninterest income | 751,000 | 1,678,000 | 2,461,000 | 3,366,000 |
| Noninterest expense | 2,124,000 | 4,209,000 | 6,188,000 | 8,136,000 |
| Provision for loan losses | 124,000 | 124,000 | 156,000 | 156,000 |
| Pretax income | 334,000 | 954,000 | 1,551,000 | 2,192,000 |
| Income tax | 93,000 | 284,000 | 468,000 | 665,000 |
| Net income | 241,000 | 670,000 | 1,083,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,587,000 | 28,016,000 | 28,429,000 | 28,873,000 |
| Total capital | 29,376,000 | 29,802,000 | 30,160,000 | 30,614,000 |
| Risk-weighted assets | 141,868,000 | 141,689,000 | 137,395,000 | 138,141,000 |