Call reports 2006
SOUTHERN HERITAGE BANK — 2006
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 194,351,000 | 202,236,000 | 217,957,000 | 213,951,000 |
| Total loans | 118,534,000 | 129,204,000 | 140,232,000 | 147,097,000 |
| Allowance for loan losses | 505,000 | 499,000 | 486,000 | 590,000 |
| Securities available for sale | 58,261,000 | 55,486,000 | 53,032,000 | 48,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,707,000 | 177,640,000 | 185,312,000 | 192,996,000 |
| Interest-bearing deposits | 143,492,000 | 146,572,000 | 154,388,000 | 160,413,000 |
| Noninterest-bearing deposits | 30,215,000 | 31,068,000 | 30,924,000 | 32,583,000 |
| Equity capital | 18,479,000 | 18,076,000 | 19,293,000 | 18,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,771,000 | 5,823,000 | 9,148,000 | 12,615,000 |
| Interest expense | 1,161,000 | 2,472,000 | 4,024,000 | 5,665,000 |
| Net interest income | 1,610,000 | 3,351,000 | 5,124,000 | 6,950,000 |
| Noninterest income | 314,000 | 620,000 | 982,000 | 1,340,000 |
| Noninterest expense | 1,589,000 | 3,250,000 | 4,951,000 | 6,858,000 |
| Provision for loan losses | 60,000 | 90,000 | 135,000 | 282,000 |
| Pretax income | 335,000 | 691,000 | 1,080,000 | 1,204,000 |
| Income tax | 57,000 | 136,000 | 215,000 | 216,000 |
| Net income | 278,000 | 555,000 | 865,000 | 988,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,203,000 | 19,480,000 | 19,792,000 | 19,440,000 |
| Total capital | 19,708,000 | 19,979,000 | 20,278,000 | 20,030,000 |
| Risk-weighted assets | 115,152,000 | 124,344,000 | 135,000,000 | 135,971,000 |
Machine access — free, no API key
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