Call reports 2005
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2005
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 103,500,000 | 101,849,000 | 102,264,000 | 103,458,000 |
| Total loans | 76,511,000 | 75,971,000 | 76,632,000 | 75,530,000 |
| Allowance for loan losses | 954,000 | 899,000 | 903,000 | 938,000 |
| Securities available for sale | 14,532,000 | 14,555,000 | 14,409,000 | 18,274,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,215,000 | 85,247,000 | 85,203,000 | 88,183,000 |
| Interest-bearing deposits | 76,854,000 | 74,286,000 | 74,223,000 | 74,486,000 |
| Noninterest-bearing deposits | 10,361,000 | 10,961,000 | 10,980,000 | 13,697,000 |
| Equity capital | 10,361,000 | 10,781,000 | 11,097,000 | 11,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,424,000 | 3,066,000 | 4,598,000 | 6,188,000 |
| Interest expense | 409,000 | 836,000 | 1,310,000 | 1,801,000 |
| Net interest income | 1,015,000 | 2,230,000 | 3,288,000 | 4,387,000 |
| Noninterest income | 170,000 | 331,000 | 507,000 | 659,000 |
| Noninterest expense | 661,000 | 1,360,000 | 2,066,000 | 2,790,000 |
| Provision for loan losses | 30,000 | 160,000 | 190,000 | 220,000 |
| Pretax income | 494,000 | 1,041,000 | 1,539,000 | 2,036,000 |
| Income tax | 168,000 | 355,000 | 525,000 | 700,000 |
| Net income | 326,000 | 686,000 | 1,014,000 | 1,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,578,000 | 10,938,000 | 11,267,000 | 11,589,000 |
| Total capital | 11,532,000 | 11,837,000 | 12,170,000 | 12,527,000 |
| Risk-weighted assets | 78,731,000 | 77,897,000 | 78,211,000 | 77,356,000 |