Call reports 2018
SOUTHERN HERITAGE BANK — 2018
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 302,012,000 | 301,167,000 | 297,103,000 | 305,679,000 |
| Total loans | 212,827,000 | 212,308,000 | 221,365,000 | 226,719,000 |
| Allowance for loan losses | 1,885,000 | 1,845,000 | 1,821,000 | 1,665,000 |
| Securities available for sale | 68,400,000 | 67,312,000 | 52,168,000 | 54,702,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,705,000 | 265,127,000 | 260,372,000 | 269,652,000 |
| Interest-bearing deposits | 196,222,000 | 195,895,000 | 191,686,000 | 200,971,000 |
| Noninterest-bearing deposits | 69,483,000 | 69,232,000 | 68,686,000 | 68,681,000 |
| Equity capital | 34,342,000 | 34,143,000 | 34,544,000 | 34,475,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,306,000 | 6,762,000 | 10,356,000 | 14,021,000 |
| Interest expense | 393,000 | 834,000 | 1,257,000 | 1,699,000 |
| Net interest income | 2,913,000 | 5,928,000 | 9,099,000 | 12,322,000 |
| Noninterest income | 558,000 | 1,055,000 | 1,638,000 | 2,307,000 |
| Noninterest expense | 2,417,000 | 4,924,000 | 7,460,000 | 10,251,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,054,000 | 2,059,000 | 3,277,000 | 4,378,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,054,000 | 2,059,000 | 3,277,000 | 4,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,472,000 | 34,347,000 | 34,958,000 | 34,659,000 |
| Total capital | 36,357,000 | 36,192,000 | 36,779,000 | 36,324,000 |
| Risk-weighted assets | 181,700,000 | 182,271,000 | 191,629,000 | 194,653,000 |