Call reports 2011
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2011
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 80,163,000 | 74,681,000 | 72,985,000 | 77,488,000 |
| Total loans | 49,796,000 | 50,290,000 | 49,339,000 | 49,524,000 |
| Allowance for loan losses | 937,000 | 985,000 | 927,000 | 933,000 |
| Securities available for sale | 15,009,000 | 11,272,000 | 9,322,000 | 11,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,682,000 | 59,205,000 | 57,893,000 | 61,442,000 |
| Interest-bearing deposits | 58,548,000 | 53,806,000 | 52,811,000 | 54,178,000 |
| Noninterest-bearing deposits | 6,134,000 | 5,399,000 | 5,082,000 | 7,264,000 |
| Equity capital | 8,662,000 | 8,870,000 | 8,885,000 | 8,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 933,000 | 1,837,000 | 2,615,000 | 3,467,000 |
| Interest expense | 255,000 | 498,000 | 739,000 | 976,000 |
| Net interest income | 678,000 | 1,339,000 | 1,876,000 | 2,491,000 |
| Noninterest income | 138,000 | 283,000 | 435,000 | 610,000 |
| Noninterest expense | 669,000 | 1,350,000 | 2,007,000 | 2,698,000 |
| Provision for loan losses | 25,000 | 40,000 | 81,000 | 189,000 |
| Pretax income | 123,000 | 297,000 | 288,000 | 284,000 |
| Income tax | 41,000 | 99,000 | 95,000 | 93,000 |
| Net income | 82,000 | 198,000 | 193,000 | 191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,671,000 | 8,786,000 | 8,781,000 | 8,780,000 |
| Total capital | 9,255,000 | 9,358,000 | 9,339,000 | 9,357,000 |
| Risk-weighted assets | 46,372,000 | 45,341,000 | 44,245,000 | 45,826,000 |