Call reports 2006
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2006
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 105,276,000 | 103,608,000 | 103,405,000 | 104,033,000 |
| Total loans | 75,131,000 | 75,997,000 | 74,373,000 | 73,569,000 |
| Allowance for loan losses | 966,000 | 985,000 | 1,067,000 | 996,000 |
| Securities available for sale | 18,194,000 | 17,020,000 | 16,072,000 | 17,055,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,048,000 | 87,076,000 | 86,422,000 | 86,836,000 |
| Interest-bearing deposits | 78,124,000 | 79,000,000 | 77,879,000 | 76,883,000 |
| Noninterest-bearing deposits | 12,924,000 | 8,076,000 | 8,543,000 | 9,953,000 |
| Equity capital | 11,695,000 | 12,045,000 | 12,403,000 | 12,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,616,000 | 3,258,000 | 4,977,000 | 6,687,000 |
| Interest expense | 544,000 | 1,126,000 | 1,834,000 | 2,586,000 |
| Net interest income | 1,072,000 | 2,132,000 | 3,143,000 | 4,101,000 |
| Noninterest income | 154,000 | 460,000 | 706,000 | 889,000 |
| Noninterest expense | 700,000 | 1,447,000 | 2,201,000 | 2,955,000 |
| Provision for loan losses | 30,000 | 60,000 | 170,000 | 231,000 |
| Pretax income | 496,000 | 1,085,000 | 1,478,000 | 1,804,000 |
| Income tax | 174,000 | 382,000 | 519,000 | 632,000 |
| Net income | 322,000 | 703,000 | 959,000 | 1,172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,911,000 | 12,292,000 | 12,547,000 | 12,761,000 |
| Total capital | 12,877,000 | 13,264,000 | 13,506,000 | 13,717,000 |
| Risk-weighted assets | 78,326,000 | 77,737,000 | 76,589,000 | 76,428,000 |
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