Call reports 2003
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2003
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 107,600,000 | 107,012,000 | 106,120,000 | 112,111,000 |
| Total loans | 75,398,000 | 75,859,000 | 74,171,000 | 73,299,000 |
| Allowance for loan losses | 773,000 | 809,000 | 819,000 | 819,000 |
| Securities available for sale | 7,031,000 | 7,085,000 | 6,992,000 | 6,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,107,000 | 91,226,000 | 90,281,000 | 96,238,000 |
| Interest-bearing deposits | 82,646,000 | 81,788,000 | 81,112,000 | 86,256,000 |
| Noninterest-bearing deposits | 9,461,000 | 9,438,000 | 9,169,000 | 9,982,000 |
| Equity capital | 9,581,000 | 9,823,000 | 9,905,000 | 10,062,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,510,000 | 2,990,000 | 4,393,000 | 5,785,000 |
| Interest expense | 619,000 | 1,214,000 | 1,758,000 | 2,294,000 |
| Net interest income | 891,000 | 1,776,000 | 2,635,000 | 3,491,000 |
| Noninterest income | 136,000 | 243,000 | 379,000 | 500,000 |
| Noninterest expense | 619,000 | 1,249,000 | 1,871,000 | 2,432,000 |
| Provision for loan losses | 23,000 | 45,000 | 168,000 | 341,000 |
| Pretax income | 385,000 | 725,000 | 975,000 | 1,218,000 |
| Income tax | 131,000 | 247,000 | 332,000 | 415,000 |
| Net income | 254,000 | 478,000 | 643,000 | 803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,569,000 | 9,783,000 | 9,923,000 | 10,083,000 |
| Total capital | 10,342,000 | 10,592,000 | 10,742,000 | 10,902,000 |
| Risk-weighted assets | 78,106,000 | 78,411,000 | 77,288,000 | 77,737,000 |