Call reports 2013
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2013
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 81,548,000 | 77,817,000 | 79,578,000 | 82,588,000 |
| Total loans | 53,233,000 | 54,225,000 | 57,037,000 | 56,689,000 |
| Allowance for loan losses | 943,000 | 944,000 | 876,000 | 916,000 |
| Securities available for sale | 18,459,000 | 19,174,000 | 17,878,000 | 17,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,172,000 | 64,896,000 | 66,763,000 | 67,403,000 |
| Interest-bearing deposits | 61,793,000 | 57,613,000 | 57,507,000 | 57,386,000 |
| Noninterest-bearing deposits | 7,379,000 | 7,283,000 | 9,256,000 | 10,017,000 |
| Equity capital | 8,865,000 | 8,429,000 | 8,363,000 | 8,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 844,000 | 1,695,000 | 2,572,000 | 3,430,000 |
| Interest expense | 207,000 | 400,000 | 590,000 | 785,000 |
| Net interest income | 637,000 | 1,295,000 | 1,982,000 | 2,645,000 |
| Noninterest income | 134,000 | 301,000 | 436,000 | 607,000 |
| Noninterest expense | 690,000 | 1,394,000 | 2,074,000 | 2,747,000 |
| Provision for loan losses | 22,000 | 30,000 | 99,000 | 161,000 |
| Pretax income | 60,000 | 173,000 | 246,000 | 345,000 |
| Income tax | 19,000 | 56,000 | 79,000 | 111,000 |
| Net income | 41,000 | 117,000 | 167,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,802,000 | 8,878,000 | 8,928,000 | 8,994,000 |
| Total capital | 9,454,000 | 9,546,000 | 9,635,000 | 9,700,000 |
| Risk-weighted assets | 51,876,000 | 53,137,000 | 56,367,000 | 56,251,000 |