Call reports 2005
SOUTH CENTRAL BANK, NATIONAL ASSOCIATION — 2005
What SOUTH CENTRAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 164,370,000 | 170,054,000 | 184,232,000 | 176,579,000 |
| Total loans | 88,766,000 | 91,555,000 | 96,785,000 | 98,979,000 |
| Allowance for loan losses | 953,000 | 1,036,000 | 1,039,000 | 1,036,000 |
| Securities available for sale | 43,227,000 | 47,979,000 | 49,680,000 | 50,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,399,000 | 135,162,000 | 148,329,000 | 143,221,000 |
| Interest-bearing deposits | 99,701,000 | 99,186,000 | 108,662,000 | 103,108,000 |
| Noninterest-bearing deposits | 32,698,000 | 35,976,000 | 39,667,000 | 40,113,000 |
| Equity capital | 13,998,000 | 14,870,000 | 14,574,000 | 14,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,200,000 | 4,484,000 | 6,952,000 | 9,537,000 |
| Interest expense | 450,000 | 923,000 | 1,538,000 | 2,224,000 |
| Net interest income | 1,750,000 | 3,561,000 | 5,414,000 | 7,313,000 |
| Noninterest income | 264,000 | 521,000 | 864,000 | 1,126,000 |
| Noninterest expense | 1,603,000 | 3,225,000 | 4,974,000 | 6,676,000 |
| Provision for loan losses | 66,000 | 132,000 | 132,000 | 132,000 |
| Pretax income | 345,000 | 725,000 | 1,172,000 | 1,631,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 342,000 | 722,000 | 1,169,000 | 1,628,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,556,000 | 13,826,000 | 14,055,000 | 14,404,000 |
| Total capital | 14,509,000 | 14,862,000 | 15,094,000 | 15,440,000 |
| Risk-weighted assets | 109,156,000 | 112,215,000 | 118,775,000 | 118,754,000 |
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