Call reports 2014
SOUTH CENTRAL BANK OF MONROE COUNTY, INC. — 2014
What SOUTH CENTRAL BANK OF MONROE COUNTY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 117,693,000 | 119,168,000 | 119,290,000 | 127,988,000 |
| Total loans | 71,024,000 | 72,480,000 | 74,741,000 | 76,813,000 |
| Allowance for loan losses | 1,004,000 | 999,000 | 919,000 | 898,000 |
| Securities available for sale | 32,404,000 | 37,349,000 | 37,418,000 | 34,288,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,163,000 | 100,179,000 | 97,303,000 | 108,458,000 |
| Interest-bearing deposits | 81,969,000 | 80,138,000 | 79,299,000 | 82,398,000 |
| Noninterest-bearing deposits | 18,194,000 | 20,041,000 | 18,004,000 | 26,060,000 |
| Equity capital | 13,146,000 | 13,619,000 | 13,738,000 | 13,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,384,000 | 3,630,000 | 4,883,000 |
| Interest expense | 183,000 | 365,000 | 549,000 | 736,000 |
| Net interest income | 999,000 | 2,019,000 | 3,081,000 | 4,147,000 |
| Noninterest income | 290,000 | 611,000 | 974,000 | 1,265,000 |
| Noninterest expense | 1,049,000 | 2,066,000 | 3,067,000 | 4,115,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 240,000 | 564,000 | 988,000 | 1,297,000 |
| Income tax | 71,000 | 170,000 | 304,000 | 396,000 |
| Net income | 169,000 | 394,000 | 684,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,908,000 | 14,133,000 | 14,204,000 | 14,161,000 |
| Total capital | 14,882,000 | 15,132,000 | 15,123,000 | 15,059,000 |
| Risk-weighted assets | 77,877,000 | 80,212,000 | 81,681,000 | 84,000,000 |
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