Call reports 2002
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2002
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 106,143,000 | 103,930,000 | 101,745,000 | 108,243,000 |
| Total loans | 67,996,000 | 73,518,000 | 75,995,000 | 77,252,000 |
| Allowance for loan losses | 752,000 | 778,000 | 777,000 | 849,000 |
| Securities available for sale | 9,260,000 | 9,391,000 | 6,592,000 | 6,027,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,984,000 | 90,408,000 | 88,003,000 | 92,482,000 |
| Interest-bearing deposits | 83,499,000 | 80,750,000 | 79,450,000 | 81,072,000 |
| Noninterest-bearing deposits | 9,485,000 | 9,658,000 | 8,553,000 | 11,410,000 |
| Equity capital | 9,065,000 | 9,395,000 | 9,622,000 | 9,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,592,000 | 3,179,000 | 4,794,000 | 6,412,000 |
| Interest expense | 715,000 | 1,382,000 | 2,056,000 | 2,702,000 |
| Net interest income | 877,000 | 1,797,000 | 2,738,000 | 3,710,000 |
| Noninterest income | 121,000 | 261,000 | 382,000 | 496,000 |
| Noninterest expense | 606,000 | 1,248,000 | 1,860,000 | 2,484,000 |
| Provision for loan losses | 22,000 | 45,000 | 68,000 | 163,000 |
| Pretax income | 370,000 | 765,000 | 1,192,000 | 1,559,000 |
| Income tax | 126,000 | 261,000 | 406,000 | 532,000 |
| Net income | 244,000 | 504,000 | 786,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,102,000 | 9,332,000 | 9,584,000 | 9,800,000 |
| Total capital | 9,854,000 | 10,110,000 | 10,361,000 | 10,649,000 |
| Risk-weighted assets | 73,147,000 | 76,969,000 | 76,107,000 | 79,223,000 |