Call reports 2007
SOUTHERN HERITAGE BANK — 2007
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 219,031,000 | 219,313,000 | 228,757,000 | 239,505,000 |
| Total loans | 151,274,000 | 160,564,000 | 168,578,000 | 176,956,000 |
| Allowance for loan losses | 648,000 | 621,000 | 544,000 | 467,000 |
| Securities available for sale | 46,410,000 | 41,580,000 | 42,730,000 | 43,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,877,000 | 191,585,000 | 199,741,000 | 197,740,000 |
| Interest-bearing deposits | 159,656,000 | 158,367,000 | 165,566,000 | 164,876,000 |
| Noninterest-bearing deposits | 33,221,000 | 33,218,000 | 34,175,000 | 32,864,000 |
| Equity capital | 19,442,000 | 19,466,000 | 20,426,000 | 20,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,481,000 | 7,165,000 | 11,062,000 | 15,130,000 |
| Interest expense | 1,606,000 | 3,288,000 | 5,073,000 | 6,863,000 |
| Net interest income | 1,875,000 | 3,877,000 | 5,989,000 | 8,267,000 |
| Noninterest income | 364,000 | 742,000 | 1,209,000 | 1,733,000 |
| Noninterest expense | 1,768,000 | 3,556,000 | 5,381,000 | 7,417,000 |
| Provision for loan losses | 75,000 | 150,000 | 233,000 | 233,000 |
| Pretax income | 396,000 | 682,000 | 1,353,000 | 2,119,000 |
| Income tax | 61,000 | 126,000 | 255,000 | 537,000 |
| Net income | 335,000 | 556,000 | 1,098,000 | 1,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,776,000 | 19,980,000 | 20,532,000 | 20,551,000 |
| Total capital | 20,424,000 | 20,601,000 | 21,076,000 | 21,018,000 |
| Risk-weighted assets | 140,171,000 | 145,770,000 | 152,879,000 | 159,665,000 |
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