Call reports 2007
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2007
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 102,976,000 | 104,083,000 | 111,419,000 | 110,919,000 |
| Total loans | 72,170,000 | 75,164,000 | 76,368,000 | 76,678,000 |
| Allowance for loan losses | 895,000 | 901,000 | 917,000 | 982,000 |
| Securities available for sale | 16,516,000 | 15,315,000 | 19,342,000 | 19,562,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,698,000 | 88,566,000 | 95,370,000 | 94,962,000 |
| Interest-bearing deposits | 77,148,000 | 79,892,000 | 86,414,000 | 85,967,000 |
| Noninterest-bearing deposits | 8,550,000 | 8,674,000 | 8,956,000 | 8,995,000 |
| Equity capital | 12,877,000 | 13,002,000 | 13,347,000 | 11,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,720,000 | 3,509,000 | 5,385,000 | 7,302,000 |
| Interest expense | 755,000 | 1,553,000 | 2,378,000 | 3,227,000 |
| Net interest income | 965,000 | 1,956,000 | 3,007,000 | 4,075,000 |
| Noninterest income | 185,000 | 387,000 | 635,000 | 860,000 |
| Noninterest expense | 784,000 | 1,661,000 | 2,524,000 | 3,347,000 |
| Provision for loan losses | 44,000 | 59,000 | 84,000 | 227,000 |
| Pretax income | 322,000 | 623,000 | 1,034,000 | 1,361,000 |
| Income tax | 113,000 | 219,000 | 363,000 | 477,000 |
| Net income | 209,000 | 404,000 | 671,000 | 884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,945,000 | 13,115,000 | 13,357,000 | 11,860,000 |
| Total capital | 13,840,000 | 14,016,000 | 14,274,000 | 12,871,000 |
| Risk-weighted assets | 75,302,000 | 78,322,000 | 80,806,000 | 80,919,000 |