Call reports 2012
SOUTHERN HERITAGE BANK — 2012
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 267,492,000 | 263,315,000 | 260,156,000 | 267,357,000 |
| Total loans | 142,891,000 | 142,663,000 | 139,627,000 | 141,915,000 |
| Allowance for loan losses | 2,038,000 | 2,166,000 | 2,197,000 | 2,204,000 |
| Securities available for sale | 94,756,000 | 91,598,000 | 88,170,000 | 89,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,701,000 | 231,203,000 | 226,286,000 | 233,138,000 |
| Interest-bearing deposits | 184,003,000 | 179,603,000 | 174,624,000 | 178,428,000 |
| Noninterest-bearing deposits | 52,698,000 | 51,600,000 | 51,662,000 | 54,710,000 |
| Equity capital | 29,492,000 | 30,865,000 | 32,200,000 | 32,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,026,000 | 5,974,000 | 8,863,000 | 11,717,000 |
| Interest expense | 402,000 | 775,000 | 1,125,000 | 1,440,000 |
| Net interest income | 2,624,000 | 5,199,000 | 7,738,000 | 10,277,000 |
| Noninterest income | 617,000 | 1,314,000 | 1,929,000 | 2,505,000 |
| Noninterest expense | 1,962,000 | 4,143,000 | 6,238,000 | 8,238,000 |
| Provision for loan losses | 136,000 | 245,000 | 282,000 | 329,000 |
| Pretax income | 1,143,000 | 2,125,000 | 3,147,000 | 4,215,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,143,000 | 2,125,000 | 3,147,000 | 4,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,062,000 | 28,043,000 | 29,070,000 | 30,125,000 |
| Total capital | 28,758,000 | 29,711,000 | 30,701,000 | 31,765,000 |
| Risk-weighted assets | 134,576,000 | 132,941,000 | 130,438,000 | 130,587,000 |