Call reports 2003
SOUTHERN HERITAGE BANK — 2003
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 172,448,000 | 174,418,000 | 168,886,000 | 168,891,000 |
| Total loans | 73,436,000 | 74,544,000 | 76,114,000 | 76,218,000 |
| Allowance for loan losses | 466,000 | 497,000 | 472,000 | 549,000 |
| Securities available for sale | 72,374,000 | 71,721,000 | 66,381,000 | 72,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,567,000 | 147,750,000 | 147,706,000 | 148,985,000 |
| Interest-bearing deposits | 127,694,000 | 127,592,000 | 126,892,000 | 128,269,000 |
| Noninterest-bearing deposits | 19,873,000 | 20,158,000 | 20,814,000 | 20,716,000 |
| Equity capital | 22,935,000 | 24,179,000 | 19,327,000 | 18,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,620,000 | 6,845,000 | 8,992,000 |
| Interest expense | 807,000 | 1,587,000 | 2,337,000 | 3,054,000 |
| Net interest income | 1,533,000 | 3,033,000 | 4,508,000 | 5,938,000 |
| Noninterest income | 219,000 | 445,000 | 711,000 | 941,000 |
| Noninterest expense | 1,165,000 | 2,371,000 | 3,614,000 | 5,069,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 585,000 |
| Pretax income | 576,000 | 1,460,000 | 2,060,000 | 2,207,000 |
| Income tax | 113,000 | 220,000 | 328,000 | 428,000 |
| Net income | 463,000 | 1,240,000 | 1,732,000 | 1,779,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,297,000 | 22,056,000 | 18,420,000 | 17,673,000 |
| Total capital | 21,763,000 | 22,553,000 | 18,892,000 | 18,222,000 |
| Risk-weighted assets | 78,941,000 | 80,459,000 | 80,878,000 | 78,883,000 |
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