Call reports 2005
SOUTHERN HERITAGE BANK — 2005
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 171,193,000 | 172,177,000 | 175,121,000 | 186,360,000 |
| Total loans | 85,643,000 | 91,514,000 | 98,352,000 | 107,681,000 |
| Allowance for loan losses | 643,000 | 620,000 | 572,000 | 545,000 |
| Securities available for sale | 66,208,000 | 68,762,000 | 62,027,000 | 61,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,405,000 | 150,949,000 | 154,367,000 | 166,143,000 |
| Interest-bearing deposits | 126,106,000 | 126,008,000 | 127,623,000 | 136,742,000 |
| Noninterest-bearing deposits | 25,299,000 | 24,941,000 | 26,744,000 | 29,401,000 |
| Equity capital | 18,584,000 | 19,574,000 | 19,353,000 | 18,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,615,000 | 7,099,000 | 9,702,000 |
| Interest expense | 733,000 | 1,544,000 | 2,436,000 | 3,444,000 |
| Net interest income | 1,524,000 | 3,071,000 | 4,663,000 | 6,258,000 |
| Noninterest income | 260,000 | 447,000 | 699,000 | 956,000 |
| Noninterest expense | 1,324,000 | 2,611,000 | 4,085,000 | 5,668,000 |
| Provision for loan losses | 36,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 466,000 | 935,000 | 1,409,000 | 1,702,000 |
| Income tax | 92,000 | 191,000 | 286,000 | 324,000 |
| Net income | 374,000 | 744,000 | 1,123,000 | 1,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,890,000 | 19,260,000 | 19,639,000 | 18,938,000 |
| Total capital | 19,533,000 | 19,880,000 | 20,211,000 | 19,483,000 |
| Risk-weighted assets | 85,214,000 | 89,850,000 | 95,969,000 | 105,367,000 |
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