Call reports 2004
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2004
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 111,467,000 | 109,539,000 | 105,460,000 | 105,459,000 |
| Total loans | 73,576,000 | 74,736,000 | 73,058,000 | 72,981,000 |
| Allowance for loan losses | 850,000 | 807,000 | 803,000 | 939,000 |
| Securities available for sale | 7,021,000 | 13,724,000 | 13,887,000 | 14,740,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,958,000 | 93,931,000 | 89,401,000 | 89,432,000 |
| Interest-bearing deposits | 87,083,000 | 84,488,000 | 80,416,000 | 78,518,000 |
| Noninterest-bearing deposits | 8,875,000 | 9,443,000 | 8,985,000 | 10,914,000 |
| Equity capital | 9,748,000 | 9,781,000 | 10,129,000 | 10,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,661,000 | 4,064,000 | 5,497,000 |
| Interest expense | 521,000 | 1,035,000 | 1,456,000 | 1,866,000 |
| Net interest income | 775,000 | 1,626,000 | 2,608,000 | 3,631,000 |
| Noninterest income | 108,000 | 288,000 | 470,000 | 558,000 |
| Noninterest expense | 638,000 | 1,276,000 | 2,010,000 | 2,788,000 |
| Provision for loan losses | 30,000 | 60,000 | 166,000 | 326,000 |
| Pretax income | 215,000 | 578,000 | 902,000 | 1,075,000 |
| Income tax | 73,000 | 197,000 | 307,000 | 366,000 |
| Net income | 142,000 | 381,000 | 595,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,740,000 | 9,974,000 | 10,173,000 | 10,252,000 |
| Total capital | 10,590,000 | 10,781,000 | 10,976,000 | 11,191,000 |
| Risk-weighted assets | 78,464,000 | 79,236,000 | 77,061,000 | 76,843,000 |