Call reports 2015
SOUTHERN HERITAGE BANK — 2015
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 278,960,000 | 279,893,000 | 281,882,000 | 289,915,000 |
| Total loans | 170,439,000 | 181,420,000 | 187,305,000 | 187,985,000 |
| Allowance for loan losses | 2,078,000 | 2,072,000 | 2,252,000 | 2,224,000 |
| Securities available for sale | 83,561,000 | 71,990,000 | 69,662,000 | 72,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,458,000 | 244,420,000 | 245,365,000 | 254,101,000 |
| Interest-bearing deposits | 180,400,000 | 183,724,000 | 181,513,000 | 187,404,000 |
| Noninterest-bearing deposits | 62,058,000 | 60,696,000 | 63,852,000 | 66,697,000 |
| Equity capital | 34,025,000 | 33,551,000 | 34,457,000 | 33,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,878,000 | 5,873,000 | 9,105,000 | 12,259,000 |
| Interest expense | 222,000 | 466,000 | 750,000 | 1,012,000 |
| Net interest income | 2,656,000 | 5,407,000 | 8,355,000 | 11,247,000 |
| Noninterest income | 577,000 | 1,124,000 | 1,719,000 | 2,340,000 |
| Noninterest expense | 2,215,000 | 4,443,000 | 6,729,000 | 9,094,000 |
| Provision for loan losses | 0 | 4,000 | 4,000 | 4,000 |
| Pretax income | 1,018,000 | 2,086,000 | 3,343,000 | 4,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,018,000 | 2,086,000 | 3,343,000 | 4,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,332,000 | 32,309,000 | 33,052,000 | 32,908,000 |
| Total capital | 34,253,000 | 34,354,000 | 35,136,000 | 35,004,000 |
| Risk-weighted assets | 153,492,000 | 163,643,000 | 166,567,000 | 167,513,000 |