Call reports 2008
SOUTHERN HERITAGE BANK — 2008
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 235,579,000 | 237,503,000 | 249,012,000 | 257,119,000 |
| Total loans | 184,162,000 | 189,467,000 | 176,577,000 | 172,720,000 |
| Allowance for loan losses | 447,000 | 480,000 | 571,000 | 760,000 |
| Securities available for sale | 29,179,000 | 25,239,000 | 28,818,000 | 42,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,494,000 | 199,195,000 | 210,220,000 | 217,638,000 |
| Interest-bearing deposits | 160,875,000 | 162,629,000 | 173,610,000 | 181,924,000 |
| Noninterest-bearing deposits | 35,619,000 | 36,566,000 | 36,610,000 | 35,714,000 |
| Equity capital | 21,447,000 | 21,986,000 | 22,658,000 | 22,837,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,017,000 | 7,983,000 | 11,976,000 | 15,841,000 |
| Interest expense | 1,734,000 | 3,266,000 | 4,745,000 | 6,155,000 |
| Net interest income | 2,283,000 | 4,717,000 | 7,231,000 | 9,686,000 |
| Noninterest income | 550,000 | 1,087,000 | 1,674,000 | 2,204,000 |
| Noninterest expense | 1,970,000 | 3,945,000 | 5,893,000 | 7,998,000 |
| Provision for loan losses | 0 | 122,000 | 348,000 | 569,000 |
| Pretax income | 998,000 | 1,872,000 | 2,799,000 | 3,458,000 |
| Income tax | 248,000 | 467,000 | 699,000 | 1,006,000 |
| Net income | 750,000 | 1,405,000 | 2,100,000 | 2,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,310,000 | 21,950,000 | 22,651,000 | 22,525,000 |
| Total capital | 21,757,000 | 22,430,000 | 23,222,000 | 23,285,000 |
| Risk-weighted assets | 163,680,000 | 169,041,000 | 175,809,000 | 158,732,000 |
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