Call reports 2014
SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. — 2014
What SOUTH CENTRAL BANK OF HARDIN COUNTY, INC. reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 83,309,000 | 82,542,000 | 84,651,000 | 82,742,000 |
| Total loans | 59,228,000 | 59,205,000 | 61,275,000 | 61,128,000 |
| Allowance for loan losses | 924,000 | 914,000 | 900,000 | 909,000 |
| Securities available for sale | 16,711,000 | 16,714,000 | 16,345,000 | 15,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,983,000 | 67,074,000 | 69,144,000 | 65,996,000 |
| Interest-bearing deposits | 60,528,000 | 59,387,000 | 59,956,000 | 57,135,000 |
| Noninterest-bearing deposits | 7,455,000 | 7,687,000 | 9,188,000 | 8,861,000 |
| Equity capital | 8,530,000 | 8,758,000 | 8,874,000 | 9,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 874,000 | 1,759,000 | 2,643,000 | 3,533,000 |
| Interest expense | 193,000 | 389,000 | 584,000 | 772,000 |
| Net interest income | 681,000 | 1,370,000 | 2,059,000 | 2,761,000 |
| Noninterest income | 110,000 | 229,000 | 346,000 | 538,000 |
| Noninterest expense | 713,000 | 1,404,000 | 2,100,000 | 2,794,000 |
| Provision for loan losses | 26,000 | 26,000 | 26,000 | 26,000 |
| Pretax income | 52,000 | 169,000 | 279,000 | 479,000 |
| Income tax | 16,000 | 54,000 | 90,000 | 156,000 |
| Net income | 36,000 | 115,000 | 189,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,030,000 | 9,110,000 | 9,183,000 | 9,317,000 |
| Total capital | 9,752,000 | 9,843,000 | 9,936,000 | 10,074,000 |
| Risk-weighted assets | 57,536,000 | 58,461,000 | 60,112,000 | 60,441,000 |