Call reports 2004
SOUTH CENTRAL BANK, NATIONAL ASSOCIATION — 2004
What SOUTH CENTRAL BANK, NATIONAL ASSOCIATION 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 | 162,598,000 | 170,694,000 | 173,585,000 | 171,070,000 |
| Total loans | 93,164,000 | 90,342,000 | 91,630,000 | 88,792,000 |
| Allowance for loan losses | 858,000 | 939,000 | 1,006,000 | 884,000 |
| Securities available for sale | 33,998,000 | 41,712,000 | 43,099,000 | 41,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,488,000 | 139,934,000 | 141,402,000 | 136,854,000 |
| Interest-bearing deposits | 100,799,000 | 105,145,000 | 103,777,000 | 101,544,000 |
| Noninterest-bearing deposits | 32,689,000 | 34,789,000 | 37,625,000 | 35,310,000 |
| Equity capital | 13,523,000 | 12,839,000 | 14,008,000 | 14,150,000 |
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 | 1,977,000 | 4,023,000 | 6,151,000 | 8,478,000 |
| Interest expense | 367,000 | 765,000 | 1,201,000 | 1,648,000 |
| Net interest income | 1,610,000 | 3,258,000 | 4,950,000 | 6,830,000 |
| Noninterest income | 302,000 | 657,000 | 965,000 | 1,158,000 |
| Noninterest expense | 1,509,000 | 3,063,000 | 4,627,000 | 6,235,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 180,000 |
| Pretax income | 313,000 | 672,000 | 1,018,000 | 1,579,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 13,000 |
| Net income | 309,000 | 665,000 | 1,008,000 | 1,566,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,395,000 | 12,641,000 | 12,875,000 | 13,323,000 |
| Total capital | 13,253,000 | 13,580,000 | 13,881,000 | 14,207,000 |
| Risk-weighted assets | 105,478,000 | 106,372,000 | 108,103,000 | 108,644,000 |
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