Vitals
  • Total Assets
    968.8M 3.6 %
  • Total Deposits
    848.7M 5.7 %
  • Total Net Loans
    644.3M 14.6 %
  • Net Income
    7.3M 6.3 %
  • Book Value
    99.6M -6.5 %
  • Book Value x2
    199.2M -6.5 %
  • Book Value x3
    298.7M -6.5 %
ROAA

.788

ROAE

6.783

Efficiency Ratio

71.859

Net Interest Margin

3.575

Balance Sheet Highlights
Financial Highlights South Central Bank, Inc. All Insured Commercial Banks in Kentucky
Balance Sheet $(000)
Total Assets 968,843 275,102
Total Net Loans 644,333 177,820
Total Deposits 848,711 227,063
Total Equity 99,583 30,287
Profitability
Net Income 7,276 2,592
Return on Average Assets .788 .944
Return on Average Equity 6.783 8.074
Net Interest Margin 3.575 3.847
Efficiency Ratio 71.859 70.925
Noninterest Income/Revenue 22.681 17.219
Balance Sheet Ratios
Loan-to-Deposit 75.919 76.952
Securities/Assets .221 .219
Total Equity/Total Assets .103 .11
Tangible Equity/Tangible Assets .099 .107
Capital Adequacy
Tier 1 Common Capital 102,898 29,354
Tier 1 Capital 102,898 29,354
Tier 2 Capital 9,065 2,092
Total Capital 111,963 31,454
Total Risk Weighted Assets 735,939 190,479
Leverage Ratio 10.94 11.285
Common Equity Tier 1 Capital Ratio 13.98 17.115
Tier 1 Capital Ratio 13.98 17.115
Total Capital Ratio 15.21 18.174

Timeline for South Central Bank, Inc.

South Central Bank Of Monroe County

Acquisition: South Central Bank, Inc. acquired a new subsidiary, South Central Bank Of Monroe County, 9 years

View Profile Jan 01 2015

South Central Bank Of Bowling Green, Inc.

Acquisition: South Central Bank, Inc. acquired a new subsidiary, South Central Bank Of Bowling Green, Inc., 9 years

View Profile Jan 01 2015

South Central Bank Of Daviess County, Inc.

Acquisition: South Central Bank, Inc. acquired a new subsidiary, South Central Bank Of Daviess County, Inc., 9 years

View Profile Jan 01 2015

South Central Bank Of Hardin County, Inc.

Acquisition: South Central Bank, Inc. acquired a new subsidiary, South Central Bank Of Hardin County, Inc., 9 years

View Profile Jan 01 2015

South Central Bancshares Of Kentucky, Inc.

South Central Bancshares Of Kentucky, Inc. became a new parent organization for South Central Bank, Inc..

View Profile Jan 01 2004

Want to see more?

Complete timeline for South Central Bank, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
South Central Bank Of Monroe County Seller 127,988 Pooling of Interests Discontinued 1/1/2015
South Central Bank Of Bowling Green, Inc. Seller 227,298 Pooling of Interests Discontinued 1/1/2015
South Central Bank Of Daviess County, Inc. Seller 205,425 Pooling of Interests Discontinued 1/1/2015
South Central Bank Of Hardin County, Inc. Seller 82,742 Pooling of Interests Discontinued 1/1/2015
Relationships Role Relationship Start Relationship End
South Central Bancshares Of Kentucky, Inc. Parent 1/1/2004
First United Bancshares, Inc. Parent 11/6/1985 12/31/2003
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