Call reports 2002
SOUTHERN HERITAGE BANK — 2002
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 156,559,000 | 162,341,000 | 166,766,000 | 174,054,000 |
| Total loans | 72,044,000 | 71,211,000 | 72,973,000 | 72,547,000 |
| Allowance for loan losses | 499,000 | 396,000 | 452,000 | 448,000 |
| Securities available for sale | 69,846,000 | 67,435,000 | 68,818,000 | 75,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,946,000 | 138,797,000 | 141,430,000 | 149,630,000 |
| Interest-bearing deposits | 116,114,000 | 119,341,000 | 121,592,000 | 130,286,000 |
| Noninterest-bearing deposits | 18,832,000 | 19,456,000 | 19,838,000 | 19,344,000 |
| Equity capital | 20,449,000 | 21,860,000 | 23,138,000 | 22,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,523,000 | 5,006,000 | 7,484,000 | 9,913,000 |
| Interest expense | 895,000 | 1,743,000 | 2,558,000 | 3,411,000 |
| Net interest income | 1,628,000 | 3,263,000 | 4,926,000 | 6,502,000 |
| Noninterest income | 182,000 | 357,000 | 566,000 | 773,000 |
| Noninterest expense | 1,130,000 | 2,274,000 | 3,431,000 | 4,654,000 |
| Provision for loan losses | 60,000 | 120,000 | 225,000 | 330,000 |
| Pretax income | 735,000 | 1,418,000 | 2,035,000 | 2,490,000 |
| Income tax | 117,000 | 253,000 | 391,000 | 489,000 |
| Net income | 618,000 | 1,165,000 | 1,644,000 | 2,001,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,154,000 | 20,715,000 | 21,194,000 | 20,833,000 |
| Total capital | 20,653,000 | 21,111,000 | 21,646,000 | 21,281,000 |
| Risk-weighted assets | 75,176,000 | 76,321,000 | 77,532,000 | 78,595,000 |
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