Call reports 2007
SOUTH CENTRAL BANK OF DAVIESS COUNTY, INC. — 2007
What SOUTH CENTRAL BANK OF DAVIESS COUNTY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 159,723,000 | 154,793,000 | 154,126,000 | 185,390,000 |
| Total loans | 117,844,000 | 118,767,000 | 120,932,000 | 120,219,000 |
| Allowance for loan losses | 1,507,000 | 1,465,000 | 1,435,000 | 1,383,000 |
| Securities available for sale | 15,409,000 | 14,003,000 | 17,008,000 | 38,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,768,000 | 136,714,000 | 134,838,000 | 167,400,000 |
| Interest-bearing deposits | 122,546,000 | 117,836,000 | 117,551,000 | 149,889,000 |
| Noninterest-bearing deposits | 18,222,000 | 18,878,000 | 17,287,000 | 17,511,000 |
| Equity capital | 14,793,000 | 14,945,000 | 15,350,000 | 14,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,737,000 | 5,537,000 | 8,259,000 | 11,127,000 |
| Interest expense | 1,201,000 | 2,355,000 | 3,499,000 | 4,732,000 |
| Net interest income | 1,536,000 | 3,182,000 | 4,760,000 | 6,395,000 |
| Noninterest income | 317,000 | 585,000 | 969,000 | 1,309,000 |
| Noninterest expense | 1,309,000 | 2,640,000 | 4,030,000 | 5,428,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 44,000 |
| Pretax income | 524,000 | 1,107,000 | 1,679,000 | 2,232,000 |
| Income tax | 183,000 | 383,000 | 580,000 | 776,000 |
| Net income | 341,000 | 724,000 | 1,099,000 | 1,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,846,000 | 15,129,000 | 15,404,000 | 14,161,000 |
| Total capital | 16,353,000 | 16,594,000 | 16,839,000 | 15,544,000 |
| Risk-weighted assets | 124,146,000 | 118,584,000 | 118,124,000 | 123,546,000 |
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