Call reports 2013
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2013
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 120,737,000 | 118,464,000 | 117,717,000 | 115,148,000 |
| Total loans | 67,759,000 | 69,866,000 | 69,411,000 | 70,244,000 |
| Allowance for loan losses | 1,026,000 | 1,058,000 | 1,022,000 | 1,056,000 |
| Securities available for sale | 32,632,000 | 34,819,000 | 34,023,000 | 34,005,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,970,000 | 100,976,000 | 100,269,000 | 97,928,000 |
| Interest-bearing deposits | 83,616,000 | 86,214,000 | 83,827,000 | 81,314,000 |
| Noninterest-bearing deposits | 15,354,000 | 14,762,000 | 16,442,000 | 16,614,000 |
| Equity capital | 13,828,000 | 13,022,000 | 12,923,000 | 12,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,430,000 | 3,667,000 | 4,890,000 |
| Interest expense | 220,000 | 434,000 | 643,000 | 838,000 |
| Net interest income | 979,000 | 1,996,000 | 3,024,000 | 4,052,000 |
| Noninterest income | 293,000 | 619,000 | 1,021,000 | 1,361,000 |
| Noninterest expense | 1,057,000 | 2,094,000 | 3,136,000 | 4,186,000 |
| Provision for loan losses | 0 | 40,000 | 64,000 | 129,000 |
| Pretax income | 217,000 | 483,000 | 847,000 | 1,100,000 |
| Income tax | 64,000 | 144,000 | 258,000 | 334,000 |
| Net income | 153,000 | 339,000 | 589,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,597,000 | 13,658,000 | 13,783,000 | 13,835,000 |
| Total capital | 14,537,000 | 14,641,000 | 14,767,000 | 14,836,000 |
| Risk-weighted assets | 75,097,000 | 78,555,000 | 78,682,000 | 80,002,000 |
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