Call reports 2007
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2007
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Total assets | 53,075,000 | 53,599,000 |
| Total loans | 48,047,000 | 49,227,000 |
| Allowance for loan losses | 575,000 | 574,000 |
| Securities available for sale | 0 | 0 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 39,277,000 | 38,277,000 |
| Interest-bearing deposits | 32,136,000 | 31,898,000 |
| Noninterest-bearing deposits | 7,141,000 | 6,379,000 |
| Equity capital | 8,433,000 | 8,528,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Interest income | 2,826,000 | 3,836,000 |
| Interest expense | 1,157,000 | 1,609,000 |
| Net interest income | 1,669,000 | 2,227,000 |
| Noninterest income | 302,000 | 391,000 |
| Noninterest expense | 1,459,000 | 1,927,000 |
| Provision for loan losses | 41,000 | 71,000 |
| Pretax income | 471,000 | 620,000 |
| Income tax | 165,000 | 219,000 |
| Net income | 306,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q3 | 2007Q4 |
|---|---|---|
| Tier 1 capital | 8,433,000 | 8,528,000 |
| Total capital | 8,988,000 | 9,113,000 |
| Risk-weighted assets | 44,389,000 | 46,760,000 |