South Central Bank of Bowling Green, Inc. in Bowling Green, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

South Central Bank of Bowling Green, Inc. - Overview

  • General
  • FDIC Certificate #: 27485
    Status: Active
    Federal Reserve ID: 1396483
    Bank Holding Company (Regulatory Top Holder): South Central Bancshares Of Kentucky, Inc. (RSSDID: 2810285, Location: Glasgow, KY)
    Date Established: April 05, 1989
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 11607
    FDIC's unique #: 40102
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 05, 1989
    Last Structure Change Effective Date: June 07, 2007
    Last Structure Change Process Date: June 07, 2007
    Last Data Update: June 07, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1757 Campbell Lane, Bowling Green, KY 42104
    County: Warren
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Bowling Green, KY (#14540)
    CBSA Metro Statistical Area: Bowling Green, KY (#14540)
  • Financial Summary
  • Total assets: $230.9 mil
    Equity capital: $26.4 mil
    Deposits held in domestic offices: $191.2 mil
    Return on assets (ROA): 0.59% ($1.4 mil)
    Quarterly return on assets: 0.27% ($0.6 mil)
    Return on Equity (ROE): 5.19% ($1.3 mil)
    Quarterly return on equity: 2.31% ($0.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.84% ($1,939.3 mil)
    Quarterly Pretax return on assets: 0.34% ($784.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $230,867Total assets
  • $33,636Cash and due from depository institutions
  • $30,891Interest-bearing balances
  • $35,675Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $151,724Net loans & leases
  • $3,073Loan loss allowance
  • $0Trading account assets
  • $4,239Bank premises and fixed assets
  • $1,759Other real estate owned
  • $435Goodwill and other intangibles
  • $230,867Life insurance assets
  • $3,399All other assets
  • $204,501Total liabilities and capital
  • $191,172Total liabilities
  • $168,803Total deposits
  • $191,172Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,431Trading liabilities
  • $0Other borrowed funds
  • $3,898Subordinated debt
  • $26,366All other liabilities
  • $26,366Total equity capital
  • $26,366Total bank equity capital
  • $0Perpetual preferred stock
  • $1,258Common stock
  • $6,415Surplus
  • $18,693Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,878Income earned, not collected on loans
  • $0Earning assets
  • $1,201Long-term assets (5+ years)
  • $218,290Average Assets, year-to-date
  • $55,760Average Assets, quarterly
  • $227,186Volatile liabilities
  • $227,824Insider loans
  • $152,900FHLB advances
  • $225,670Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,869Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,662Restructured Loans and leases
  • $4,265Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,586Total interest income
  • $2,062Total interest expense
  • $7,524Net interest income
  • $830Provision for loan and lease losses
  • $3,050Total noninterest income
  • $0Fiduciary activities
  • $1,163Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,887Additional noninterest income
  • $8,058Total noninterest expense
  • $3,038Salaries and employee benefits
  • $640Premises and equipment expense
  • $4,380Additional noninterest expense
  • $1,686Pre-tax net operating income
  • $221Securities gains (losses)
  • $572Applicable income taxes
  • $1,335Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,335Net income attributable to bank
  • $0Net charge-offs
  • $1,335Cash dividends
  • $892Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.44%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.48%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 5.19%Return on equity (ROE)
  • 5.19%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 93.05%Credit loss provision to net charge-offs
  • 2.82%Efficiency ratio
  • 76,206Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 52.28%Noncurrent assets plus other real estate owned to assets
  • 3.31%Noncurrent loans to loans
  • 3.80%Net loans and leases to deposits
  • 79.37%Net loans and leases to core deposits
  • 81.98%Equity capital to assets
  • 11.42%Core capital (leverage) ratio
  • 11.46%Tier 1 risk-based capital ratio
  • 16.92%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $227,186Average earning assets
  • $25,731Average equity
  • $215,984Average loans

List of branches

  • 7 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040102South Central Bank Of Bowling Green, Inc.1757 Campbell Lane, Bowling Green, KY 42104April 05, 1989Full Service Brick and Mortar
    2262136Bowling Green Branch1709 U.S. 31w By-Pass, Bowling Green, KY 42101April 24, 1992Full Service Brick and Mortar
    3262137Greenwood Branch5251 Scottsville Road, Bowling Green, KY 42104November 08, 1993Full Service Brick and Mortar
    4262138Louisville Road Branch3505 Louisville Road, Bowling Green, KY 42102September 15, 1995Full Service Brick and Mortar
    5262139Franklin Branch204 South Main Street, Franklin, KY 42134March 29, 1999Full Service Brick and Mortar
    6262140Nashville Road Branch2710 Nashville Road, Bowling Green, KY 42101August 02, 1999Full Service Brick and Mortar
    8472706Lehman Avenue Branch805 Lehman Avenue, Bowling Green, KY 42103Febuary 19, 2008Full Service Brick and Mortar

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