Call reports 2003
SOUTHERN HERITAGE BANK — 2003
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 116,428,000 | 119,474,000 | 127,963,000 | 128,970,000 |
| Total loans | 89,941,000 | 95,202,000 | 95,003,000 | 103,109,000 |
| Allowance for loan losses | 1,271,000 | 1,294,000 | 1,308,000 | 1,372,000 |
| Securities available for sale | 8,110,000 | 11,478,000 | 14,461,000 | 15,654,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,141,000 | 107,703,000 | 115,994,000 | 115,700,000 |
| Interest-bearing deposits | 88,951,000 | 91,071,000 | 97,713,000 | 100,358,000 |
| Noninterest-bearing deposits | 16,190,000 | 16,632,000 | 18,281,000 | 15,342,000 |
| Equity capital | 10,418,000 | 10,749,000 | 10,759,000 | 11,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,633,000 | 3,410,000 | 5,177,000 | 6,988,000 |
| Interest expense | 497,000 | 1,004,000 | 1,492,000 | 2,007,000 |
| Net interest income | 1,136,000 | 2,406,000 | 3,685,000 | 4,981,000 |
| Noninterest income | 185,000 | 390,000 | 612,000 | 823,000 |
| Noninterest expense | 904,000 | 1,896,000 | 2,901,000 | 3,955,000 |
| Provision for loan losses | 87,000 | 149,000 | 219,000 | 283,000 |
| Pretax income | 321,000 | 733,000 | 1,145,000 | 1,540,000 |
| Income tax | 60,000 | 220,000 | 363,000 | 507,000 |
| Net income | 261,000 | 513,000 | 782,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,377,000 | 10,629,000 | 10,898,000 | 11,149,000 |
| Total capital | 11,627,000 | 11,923,000 | 12,206,000 | 12,521,000 |
| Risk-weighted assets | 100,020,000 | 108,317,000 | 107,617,000 | 113,761,000 |
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