Call reports 2010
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2010
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 75,020,000 | 77,274,000 | 77,581,000 | 78,113,000 |
| Total loans | 55,688,000 | 54,322,000 | 55,755,000 | 54,985,000 |
| Allowance for loan losses | 945,000 | 926,000 | 951,000 | 973,000 |
| Securities available for sale | 9,875,000 | 9,812,000 | 12,408,000 | 14,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,682,000 | 62,102,000 | 62,074,000 | 62,690,000 |
| Interest-bearing deposits | 54,174,000 | 56,695,000 | 55,599,000 | 56,439,000 |
| Noninterest-bearing deposits | 5,508,000 | 5,407,000 | 6,475,000 | 6,251,000 |
| Equity capital | 8,404,000 | 8,394,000 | 8,606,000 | 8,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,063,000 | 3,064,000 | 4,056,000 |
| Interest expense | 369,000 | 729,000 | 1,041,000 | 1,318,000 |
| Net interest income | 671,000 | 1,334,000 | 2,023,000 | 2,738,000 |
| Noninterest income | 143,000 | 323,000 | 494,000 | 705,000 |
| Noninterest expense | 641,000 | 1,241,000 | 1,876,000 | 2,462,000 |
| Provision for loan losses | 72,000 | 470,000 | 498,000 | 608,000 |
| Pretax income | 101,000 | -54,000 | 147,000 | 377,000 |
| Income tax | 33,000 | -20,000 | 45,000 | 124,000 |
| Net income | 68,000 | -34,000 | 102,000 | 253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,403,000 | 8,302,000 | 8,437,000 | 8,588,000 |
| Total capital | 9,058,000 | 8,929,000 | 9,088,000 | 9,228,000 |
| Risk-weighted assets | 52,043,000 | 49,838,000 | 51,779,000 | 50,865,000 |