Call reports 2009
SOUTHERN HERITAGE BANK — 2009
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 260,553,000 | 251,105,000 | 255,783,000 | 263,438,000 |
| Total loans | 170,197,000 | 170,631,000 | 169,850,000 | 165,656,000 |
| Allowance for loan losses | 797,000 | 1,690,000 | 1,764,000 | 1,372,000 |
| Securities available for sale | 40,901,000 | 50,799,000 | 60,489,000 | 49,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,795,000 | 224,894,000 | 219,227,000 | 227,975,000 |
| Interest-bearing deposits | 185,829,000 | 186,718,000 | 185,759,000 | 191,572,000 |
| Noninterest-bearing deposits | 36,966,000 | 38,176,000 | 33,468,000 | 36,403,000 |
| Equity capital | 23,407,000 | 22,901,000 | 24,291,000 | 24,993,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,617,000 | 7,157,000 | 10,686,000 | 14,166,000 |
| Interest expense | 1,212,000 | 2,314,000 | 3,247,000 | 4,098,000 |
| Net interest income | 2,405,000 | 4,843,000 | 7,439,000 | 10,068,000 |
| Noninterest income | 492,000 | 1,113,000 | 1,703,000 | 2,296,000 |
| Noninterest expense | 2,052,000 | 4,293,000 | 6,232,000 | 8,353,000 |
| Provision for loan losses | 128,000 | 1,197,000 | 1,297,000 | 1,448,000 |
| Pretax income | 717,000 | 466,000 | 1,613,000 | 2,571,000 |
| Income tax | 203,000 | 392,000 | 588,000 | 695,000 |
| Net income | 514,000 | 74,000 | 1,025,000 | 1,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,051,000 | 22,611,000 | 23,585,000 | 24,422,000 |
| Total capital | 23,848,000 | 24,301,000 | 25,349,000 | 25,794,000 |
| Risk-weighted assets | 155,586,000 | 155,962,000 | 158,337,000 | 150,820,000 |
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