Call reports 2011
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2011
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 115,820,000 | 113,716,000 | 115,827,000 | 113,966,000 |
| Total loans | 68,918,000 | 69,273,000 | 69,053,000 | 68,544,000 |
| Allowance for loan losses | 1,088,000 | 1,023,000 | 1,111,000 | 1,062,000 |
| Securities available for sale | 25,883,000 | 23,322,000 | 22,886,000 | 25,632,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,488,000 | 92,886,000 | 95,141,000 | 92,374,000 |
| Interest-bearing deposits | 81,778,000 | 80,921,000 | 81,535,000 | 80,870,000 |
| Noninterest-bearing deposits | 12,710,000 | 11,965,000 | 13,606,000 | 11,504,000 |
| Equity capital | 13,797,000 | 14,151,000 | 14,267,000 | 14,256,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,322,000 | 2,645,000 | 3,904,000 | 5,152,000 |
| Interest expense | 305,000 | 594,000 | 869,000 | 1,129,000 |
| Net interest income | 1,017,000 | 2,051,000 | 3,035,000 | 4,023,000 |
| Noninterest income | 249,000 | 531,000 | 808,000 | 1,132,000 |
| Noninterest expense | 1,017,000 | 1,952,000 | 2,947,000 | 3,953,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 746,000 | 1,012,000 | 1,329,000 |
| Income tax | 76,000 | 236,000 | 319,000 | 414,000 |
| Net income | 174,000 | 510,000 | 693,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,478,000 | 13,739,000 | 13,847,000 | 13,894,000 |
| Total capital | 14,366,000 | 14,488,000 | 14,738,000 | 14,801,000 |
| Risk-weighted assets | 70,838,000 | 70,816,000 | 70,997,000 | 72,342,000 |