Call reports 2025
SOUTHERN HERITAGE BANK — 2025
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 390,556,000 | 395,078,000 | 400,611,000 | 403,664,000 |
| Total loans | 277,734,000 | 280,993,000 | 279,060,000 | 279,288,000 |
| Allowance for loan losses | 1,908,000 | 2,109,000 | 2,865,000 | 2,797,000 |
| Securities available for sale | 86,646,000 | 85,795,000 | 94,649,000 | 99,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,399,000 | 356,855,000 | 359,600,000 | 362,565,000 |
| Interest-bearing deposits | 247,743,000 | 252,609,000 | 255,776,000 | 263,287,000 |
| Noninterest-bearing deposits | 100,656,000 | 104,246,000 | 103,824,000 | 99,278,000 |
| Equity capital | 33,767,000 | 34,573,000 | 36,683,000 | 37,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,390,000 | 11,042,000 | 17,013,000 | 22,910,000 |
| Interest expense | 1,632,000 | 3,285,000 | 4,871,000 | 6,404,000 |
| Net interest income | 3,758,000 | 7,757,000 | 12,142,000 | 16,506,000 |
| Noninterest income | 600,000 | 1,202,000 | 1,796,000 | 2,634,000 |
| Noninterest expense | 3,117,000 | 6,061,000 | 9,084,000 | 12,143,000 |
| Provision for loan losses | 56,000 | 240,000 | 370,000 | 370,000 |
| Pretax income | 1,185,000 | 2,658,000 | 4,484,000 | 6,627,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,185,000 | 2,658,000 | 4,484,000 | 6,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,303,000 | 40,609,000 | 41,724,000 | 42,137,000 |