Call reports 2012
SOUTH CENTRAL BANK OF DAVIESS COUNTY, INC. — 2012
What SOUTH CENTRAL BANK OF DAVIESS COUNTY, 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 | 175,569,000 | 169,942,000 | 174,725,000 | 206,859,000 |
| Total loans | 100,812,000 | 96,958,000 | 97,742,000 | 95,183,000 |
| Allowance for loan losses | 2,112,000 | 2,063,000 | 2,046,000 | 1,985,000 |
| Securities available for sale | 44,330,000 | 43,095,000 | 42,989,000 | 49,880,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,732,000 | 146,075,000 | 150,769,000 | 153,057,000 |
| Interest-bearing deposits | 125,384,000 | 122,289,000 | 122,851,000 | 125,606,000 |
| Noninterest-bearing deposits | 25,348,000 | 23,786,000 | 27,918,000 | 27,451,000 |
| Equity capital | 16,570,000 | 16,615,000 | 16,700,000 | 16,336,000 |
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 | 1,722,000 | 3,348,000 | 4,917,000 | 6,504,000 |
| Interest expense | 256,000 | 504,000 | 743,000 | 975,000 |
| Net interest income | 1,466,000 | 2,844,000 | 4,174,000 | 5,529,000 |
| Noninterest income | 425,000 | 766,000 | 1,151,000 | 1,590,000 |
| Noninterest expense | 1,555,000 | 3,057,000 | 4,602,000 | 6,271,000 |
| Provision for loan losses | 6,000 | 6,000 | 6,000 | 298,000 |
| Pretax income | 332,000 | 549,000 | 720,000 | 553,000 |
| Income tax | 96,000 | 153,000 | 193,000 | 122,000 |
| Net income | 236,000 | 396,000 | 527,000 | 431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,944,000 | 15,929,000 | 15,985,000 | 15,699,000 |
| Total capital | 17,220,000 | 17,158,000 | 17,215,000 | 16,952,000 |
| Risk-weighted assets | 101,172,000 | 97,426,000 | 97,506,000 | 99,461,000 |