South Central Bank of Bowling Green, Inc. in Bowling Green, Kentucky (KY)

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South Central Bank of Bowling Green, Inc. routing number info

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South Central Bank of Bowling Green, Inc.
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)59
Total assets$230,867
Cash and due from depository institutions$33,636
Interest-bearing balances$30,891
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$151,724
Loan loss allowance $3,073
Trading account assets$0
Bank premises and fixed assets$4,239
Other real estate owned$1,759
Goodwill and other intangibles$435
All other assets$3,399
Life insurance assets$230,867
Total liabilities and capital$204,501
Total liabilities$191,172
Total deposits$168,803
Interest-bearing deposits$191,172
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,431
Other borrowed funds $0
Subordinated debt $3,898
All other liabilities $26,366
Total equity capital$26,366
Total bank equity capital$26,366
Perpetual preferred stock$0
Common stock$1,258
Undivided profits $18,693
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,878
Earning assets $0
Long-term assets (5+ years) $1,201
Average Assets, year-to-date $218,290
Average Assets, quarterly $55,760
Volatile liabilities $227,186
Insider loans $227,824
FHLB advances $152,900
Loans and leases held for sale $225,670
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,869
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,662
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,586
Total interest expense $2,062
Net interest income $7,524
Provision for loan and lease losses $830
Total noninterest income $3,050
Fiduciary activities $0
Service charges on deposit accounts $1,163
Trading account gains & fees $0
Additional noninterest income $1,887
Total noninterest expense $8,058
Salaries and employee benefits $3,038
Premises and equipment expense $640
Additional noninterest expense $4,380
Pre-tax net operating income $1,686
Securities gains (losses) $221
Applicable income taxes $572
Income before extraordinary items $1,335
Extraordinary gains - net $0
Net income attributable to bank $1,335
Net charge-offs $0
Cash dividends $1,335
Sale, conversion, retirement of capital stock, net $892
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.44%
Cost of funding earning assets 0.95%
Net interest margin 3.48%
Noninterest income to earning assets 1.41%
Noninterest expense to earning assets 3.73%
Net operating income to assets 0.52%
Return on assets (ROA) 0.59%
Pretax return on assets 0.84%
Return on equity (ROE) 5.19%
Retained earnings to average equity (YTD only) 5.19%
Net charge-offs to loans 0.56%
Credit loss provision to net charge-offs 93.05%
Efficiency ratio2.82%
Assets per employee$76,206
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 52.28%
Noncurrent loans to loans 3.31%
Net loans and leases to deposits3.80%
Net loans and leases to core deposits 79.37%
Equity capital to assets 81.98%
Core capital (leverage) ratio 11.42%
Tier 1 risk-based capital ratio 11.46%
Total risk-based capital ratio 16.92%
Average assets$18
Average earning assets$227,186
Average equity $25,731
Average loans $215,984
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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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