Call reports 2019
SOUTHERN HERITAGE BANK — 2019
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 307,882,000 | 299,206,000 | 301,140,000 | 305,455,000 |
| Total loans | 234,217,000 | 235,100,000 | 224,374,000 | 223,355,000 |
| Allowance for loan losses | 1,669,000 | 1,711,000 | 1,726,000 | 1,630,000 |
| Securities available for sale | 51,288,000 | 45,357,000 | 58,449,000 | 59,106,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,217,000 | 262,108,000 | 262,481,000 | 268,307,000 |
| Interest-bearing deposits | 199,463,000 | 193,660,000 | 191,416,000 | 198,239,000 |
| Noninterest-bearing deposits | 71,754,000 | 68,448,000 | 71,065,000 | 70,068,000 |
| Equity capital | 34,873,000 | 35,239,000 | 36,050,000 | 35,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,750,000 | 7,533,000 | 11,420,000 | 15,199,000 |
| Interest expense | 488,000 | 1,003,000 | 1,491,000 | 1,972,000 |
| Net interest income | 3,262,000 | 6,530,000 | 9,929,000 | 13,227,000 |
| Noninterest income | 570,000 | 1,137,000 | 1,792,000 | 2,400,000 |
| Noninterest expense | 2,615,000 | 5,250,000 | 7,984,000 | 10,658,000 |
| Provision for loan losses | 36,000 | 96,000 | 162,000 | 195,000 |
| Pretax income | 1,210,000 | 2,350,000 | 3,604,000 | 4,803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,210,000 | 2,350,000 | 3,604,000 | 4,803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,783,000 | 34,820,000 | 35,531,000 | 35,052,000 |
| Total capital | 36,452,000 | 36,531,000 | 37,257,000 | 36,682,000 |
| Risk-weighted assets | 200,843,000 | 202,674,000 | 182,729,000 | 191,693,000 |