Call reports 2009
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2009
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 70,216,000 | 73,672,000 | 74,460,000 | 74,406,000 |
| Total loans | 56,425,000 | 55,043,000 | 53,482,000 | 54,590,000 |
| Allowance for loan losses | 654,000 | 632,000 | 709,000 | 947,000 |
| Securities available for sale | 8,291,000 | 11,113,000 | 11,269,000 | 10,548,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,640,000 | 56,251,000 | 59,001,000 | 59,116,000 |
| Interest-bearing deposits | 45,866,000 | 49,660,000 | 52,113,000 | 53,730,000 |
| Noninterest-bearing deposits | 6,774,000 | 6,591,000 | 6,888,000 | 5,386,000 |
| Equity capital | 8,492,000 | 8,337,000 | 8,436,000 | 8,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,987,000 | 2,975,000 | 3,978,000 |
| Interest expense | 436,000 | 915,000 | 1,385,000 | 1,815,000 |
| Net interest income | 527,000 | 1,072,000 | 1,590,000 | 2,163,000 |
| Noninterest income | 135,000 | 246,000 | 357,000 | 491,000 |
| Noninterest expense | 583,000 | 1,264,000 | 1,743,000 | 2,318,000 |
| Provision for loan losses | 23,000 | 135,000 | 225,000 | 515,000 |
| Pretax income | 56,000 | -80,000 | -10,000 | -168,000 |
| Income tax | 19,000 | 0 | 0 | -53,000 |
| Net income | 37,000 | -80,000 | -10,000 | -115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,492,000 | 8,370,000 | 8,440,000 | 8,335,000 |
| Total capital | 9,170,000 | 9,031,000 | 9,076,000 | 8,989,000 |
| Risk-weighted assets | 55,353,000 | 54,167,000 | 50,798,000 | 51,999,000 |