Call reports 2004
SOUTHERN HERITAGE BANK — 2004
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,320,000 | 161,431,000 | 165,838,000 | 173,311,000 |
| Total loans | 76,953,000 | 80,162,000 | 82,917,000 | 82,739,000 |
| Allowance for loan losses | 595,000 | 629,000 | 637,000 | 626,000 |
| Securities available for sale | 70,238,000 | 66,070,000 | 68,337,000 | 65,270,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,237,000 | 141,611,000 | 144,168,000 | 153,447,000 |
| Interest-bearing deposits | 124,912,000 | 120,407,000 | 122,385,000 | 129,289,000 |
| Noninterest-bearing deposits | 21,325,000 | 21,204,000 | 21,783,000 | 24,158,000 |
| Equity capital | 19,360,000 | 18,538,000 | 19,860,000 | 18,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,198,000 | 4,422,000 | 6,673,000 | 8,863,000 |
| Interest expense | 675,000 | 1,312,000 | 1,957,000 | 2,623,000 |
| Net interest income | 1,523,000 | 3,110,000 | 4,716,000 | 6,240,000 |
| Noninterest income | 295,000 | 547,000 | 801,000 | 1,051,000 |
| Noninterest expense | 1,273,000 | 2,546,000 | 3,844,000 | 5,247,000 |
| Provision for loan losses | 40,000 | 78,000 | 115,000 | 153,000 |
| Pretax income | 589,000 | 1,135,000 | 1,789,000 | 2,356,000 |
| Income tax | 93,000 | 199,000 | 307,000 | 538,000 |
| Net income | 496,000 | 936,000 | 1,482,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,169,000 | 18,609,000 | 19,155,000 | 18,529,000 |
| Total capital | 18,764,000 | 19,238,000 | 19,792,000 | 19,155,000 |
| Risk-weighted assets | 78,793,000 | 80,010,000 | 82,173,000 | 83,239,000 |
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