Call reports 2012
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2012
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 81,966,000 | 83,791,000 | 84,791,000 | 90,573,000 |
| Total loans | 50,335,000 | 52,274,000 | 52,828,000 | 52,722,000 |
| Allowance for loan losses | 917,000 | 872,000 | 908,000 | 932,000 |
| Securities available for sale | 13,709,000 | 12,314,000 | 12,064,000 | 17,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,466,000 | 70,113,000 | 71,199,000 | 76,180,000 |
| Interest-bearing deposits | 58,771,000 | 62,572,000 | 63,179,000 | 63,969,000 |
| Noninterest-bearing deposits | 8,695,000 | 7,541,000 | 8,020,000 | 12,211,000 |
| Equity capital | 8,889,000 | 8,946,000 | 8,977,000 | 8,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,737,000 | 2,599,000 | 3,435,000 |
| Interest expense | 245,000 | 510,000 | 747,000 | 976,000 |
| Net interest income | 600,000 | 1,227,000 | 1,852,000 | 2,459,000 |
| Noninterest income | 141,000 | 289,000 | 435,000 | 585,000 |
| Noninterest expense | 663,000 | 1,330,000 | 2,020,000 | 2,701,000 |
| Provision for loan losses | 25,000 | 80,000 | 124,000 | 379,000 |
| Pretax income | 54,000 | 107,000 | 144,000 | -35,000 |
| Income tax | 17,000 | 33,000 | 44,000 | -16,000 |
| Net income | 37,000 | 74,000 | 100,000 | -19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,817,000 | 8,854,000 | 8,879,000 | 8,761,000 |
| Total capital | 9,411,000 | 9,477,000 | 9,511,000 | 9,407,000 |
| Risk-weighted assets | 47,177,000 | 49,571,000 | 50,274,000 | 51,343,000 |