Call reports 2008
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2008
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 53,792,000 | 53,830,000 | 55,147,000 | 59,048,000 |
| Total loans | 48,897,000 | 49,095,000 | 50,577,000 | 54,690,000 |
| Allowance for loan losses | 628,000 | 573,000 | 587,000 | 629,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,421,000 | 35,138,000 | 36,395,000 | 40,100,000 |
| Interest-bearing deposits | 29,933,000 | 28,658,000 | 29,549,000 | 33,950,000 |
| Noninterest-bearing deposits | 6,488,000 | 6,480,000 | 6,846,000 | 6,150,000 |
| Equity capital | 8,629,000 | 8,541,000 | 8,602,000 | 8,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,867,000 | 2,793,000 | 3,669,000 |
| Interest expense | 406,000 | 790,000 | 1,141,000 | 1,514,000 |
| Net interest income | 562,000 | 1,077,000 | 1,652,000 | 2,155,000 |
| Noninterest income | 119,000 | 242,000 | 341,000 | 466,000 |
| Noninterest expense | 505,000 | 1,023,000 | 1,574,000 | 2,200,000 |
| Provision for loan losses | 60,000 | 308,000 | 338,000 | 580,000 |
| Pretax income | 116,000 | -12,000 | 81,000 | -159,000 |
| Income tax | 40,000 | 0 | 32,000 | -56,000 |
| Net income | 76,000 | -12,000 | 49,000 | -103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,629,000 | 8,541,000 | 8,602,000 | 8,450,000 |
| Total capital | 9,208,000 | 9,125,000 | 9,200,000 | 9,103,000 |
| Risk-weighted assets | 46,267,000 | 46,673,000 | 47,795,000 | 52,255,000 |