Call reports 2017
SOUTHERN HERITAGE BANK — 2017
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 297,161,000 | 297,732,000 | 291,838,000 | 299,918,000 |
| Total loans | 200,395,000 | 208,472,000 | 209,948,000 | 211,546,000 |
| Allowance for loan losses | 2,069,000 | 2,024,000 | 1,902,000 | 1,895,000 |
| Securities available for sale | 73,752,000 | 68,037,000 | 60,244,000 | 61,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,551,000 | 259,734,000 | 253,063,000 | 264,035,000 |
| Interest-bearing deposits | 191,848,000 | 191,995,000 | 184,741,000 | 196,974,000 |
| Noninterest-bearing deposits | 67,703,000 | 67,739,000 | 68,322,000 | 67,061,000 |
| Equity capital | 34,453,000 | 34,494,000 | 34,997,000 | 34,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,185,000 | 6,459,000 | 9,778,000 | 13,111,000 |
| Interest expense | 293,000 | 613,000 | 944,000 | 1,300,000 |
| Net interest income | 2,892,000 | 5,846,000 | 8,834,000 | 11,811,000 |
| Noninterest income | 559,000 | 1,093,000 | 1,695,000 | 2,328,000 |
| Noninterest expense | 2,357,000 | 4,807,000 | 7,247,000 | 9,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,094,000 | 2,132,000 | 3,282,000 | 4,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,094,000 | 2,132,000 | 3,282,000 | 4,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,891,000 | 33,772,000 | 34,340,000 | 33,981,000 |
| Total capital | 35,960,000 | 35,796,000 | 36,242,000 | 35,876,000 |
| Risk-weighted assets | 175,048,000 | 183,202,000 | 182,446,000 | 184,129,000 |