Call reports 2009
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2009
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 119,329,000 | 114,440,000 | 114,871,000 | 117,528,000 |
| Total loans | 79,484,000 | 78,743,000 | 80,013,000 | 77,067,000 |
| Allowance for loan losses | 1,220,000 | 1,051,000 | 979,000 | 1,065,000 |
| Securities available for sale | 28,681,000 | 25,720,000 | 25,845,000 | 25,668,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,732,000 | 92,266,000 | 93,726,000 | 94,926,000 |
| Interest-bearing deposits | 86,321,000 | 81,868,000 | 83,459,000 | 84,648,000 |
| Noninterest-bearing deposits | 10,411,000 | 10,398,000 | 10,267,000 | 10,278,000 |
| Equity capital | 13,057,000 | 13,067,000 | 13,359,000 | 13,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,694,000 | 3,250,000 | 4,801,000 | 6,366,000 |
| Interest expense | 625,000 | 1,189,000 | 1,672,000 | 2,111,000 |
| Net interest income | 1,069,000 | 2,061,000 | 3,129,000 | 4,255,000 |
| Noninterest income | 233,000 | 509,000 | 760,000 | 1,017,000 |
| Noninterest expense | 897,000 | 1,950,000 | 2,874,000 | 3,695,000 |
| Provision for loan losses | 280,000 | 310,000 | 310,000 | 320,000 |
| Pretax income | 125,000 | 310,000 | 705,000 | 1,257,000 |
| Income tax | 42,000 | 114,000 | 247,000 | 433,000 |
| Net income | 83,000 | 196,000 | 458,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,616,000 | 12,679,000 | 12,816,000 | 13,057,000 |
| Total capital | 13,665,000 | 13,705,000 | 13,821,000 | 14,086,000 |
| Risk-weighted assets | 83,723,000 | 82,021,000 | 83,438,000 | 82,261,000 |
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