Call reports 2010
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2010
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 116,196,000 | 115,865,000 | 118,929,000 | 118,379,000 |
| Total loans | 73,402,000 | 74,022,000 | 75,246,000 | 72,909,000 |
| Allowance for loan losses | 1,087,000 | 1,037,000 | 984,000 | 1,073,000 |
| Securities available for sale | 21,426,000 | 22,700,000 | 25,243,000 | 22,460,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,186,000 | 94,491,000 | 97,662,000 | 97,301,000 |
| Interest-bearing deposits | 83,316,000 | 82,908,000 | 83,235,000 | 83,839,000 |
| Noninterest-bearing deposits | 10,870,000 | 11,583,000 | 14,427,000 | 13,462,000 |
| Equity capital | 13,846,000 | 13,527,000 | 13,644,000 | 13,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,527,000 | 3,000,000 | 4,501,000 | 5,969,000 |
| Interest expense | 403,000 | 797,000 | 1,172,000 | 1,517,000 |
| Net interest income | 1,124,000 | 2,203,000 | 3,329,000 | 4,452,000 |
| Noninterest income | 292,000 | 558,000 | 785,000 | 1,076,000 |
| Noninterest expense | 901,000 | 1,805,000 | 2,784,000 | 3,715,000 |
| Provision for loan losses | 10,000 | 20,000 | 51,000 | 51,000 |
| Pretax income | 505,000 | 936,000 | 1,279,000 | 1,762,000 |
| Income tax | 168,000 | 301,000 | 409,000 | 564,000 |
| Net income | 337,000 | 635,000 | 870,000 | 1,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,318,000 | 12,966,000 | 13,126,000 | 13,379,000 |
| Total capital | 14,259,000 | 13,914,000 | 14,094,000 | 14,312,000 |
| Risk-weighted assets | 75,103,000 | 75,690,000 | 77,381,000 | 74,510,000 |