Call reports 2012
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2012
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 114,989,000 | 118,301,000 | 117,278,000 | 120,674,000 |
| Total loans | 65,989,000 | 69,217,000 | 68,245,000 | 68,478,000 |
| Allowance for loan losses | 1,056,000 | 1,047,000 | 998,000 | 1,027,000 |
| Securities available for sale | 26,888,000 | 26,631,000 | 25,615,000 | 31,477,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,614,000 | 95,824,000 | 95,340,000 | 99,155,000 |
| Interest-bearing deposits | 81,840,000 | 82,002,000 | 81,859,000 | 83,290,000 |
| Noninterest-bearing deposits | 13,774,000 | 13,822,000 | 13,481,000 | 15,865,000 |
| Equity capital | 14,297,000 | 14,194,000 | 14,278,000 | 13,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,428,000 | 3,667,000 | 4,872,000 |
| Interest expense | 244,000 | 483,000 | 725,000 | 957,000 |
| Net interest income | 964,000 | 1,945,000 | 2,942,000 | 3,915,000 |
| Noninterest income | 279,000 | 522,000 | 764,000 | 1,064,000 |
| Noninterest expense | 1,029,000 | 2,016,000 | 3,022,000 | 4,068,000 |
| Provision for loan losses | 12,000 | 12,000 | 12,000 | 83,000 |
| Pretax income | 204,000 | 441,000 | 675,000 | 831,000 |
| Income tax | 60,000 | 130,000 | 200,000 | 242,000 |
| Net income | 144,000 | 311,000 | 475,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,963,000 | 13,855,000 | 13,944,000 | 13,568,000 |
| Total capital | 14,844,000 | 14,784,000 | 14,855,000 | 14,505,000 |
| Risk-weighted assets | 70,280,000 | 74,146,000 | 72,806,000 | 74,874,000 |