Call reports 2004
SOUTHERN HERITAGE BANK — 2004
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 140,285,000 | 143,410,000 | 151,370,000 | 156,706,000 |
| Total loans | 108,309,000 | 114,789,000 | 123,906,000 | 126,609,000 |
| Allowance for loan losses | 1,483,000 | 1,541,000 | 1,643,000 | 1,724,000 |
| Securities available for sale | 12,265,000 | 15,217,000 | 15,783,000 | 19,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,899,000 | 131,382,000 | 138,604,000 | 137,404,000 |
| Interest-bearing deposits | 107,039,000 | 111,687,000 | 113,801,000 | 114,628,000 |
| Noninterest-bearing deposits | 20,860,000 | 19,695,000 | 24,803,000 | 22,776,000 |
| Equity capital | 11,581,000 | 11,429,000 | 12,103,000 | 17,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,846,000 | 3,781,000 | 5,814,000 | 8,020,000 |
| Interest expense | 534,000 | 1,100,000 | 1,705,000 | 2,363,000 |
| Net interest income | 1,312,000 | 2,681,000 | 4,109,000 | 5,657,000 |
| Noninterest income | 256,000 | 609,000 | 985,000 | 1,384,000 |
| Noninterest expense | 979,000 | 2,030,000 | 3,126,000 | 4,383,000 |
| Provision for loan losses | 113,000 | 180,000 | 362,000 | 452,000 |
| Pretax income | 501,000 | 1,100,000 | 1,624,000 | 2,222,000 |
| Income tax | 182,000 | 403,000 | 581,000 | 806,000 |
| Net income | 319,000 | 697,000 | 1,043,000 | 1,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,468,000 | 11,846,000 | 12,167,000 | 17,480,000 |
| Total capital | 12,951,000 | 13,387,000 | 13,810,000 | 19,204,000 |
| Risk-weighted assets | 118,989,000 | 126,729,000 | 135,586,000 | 139,591,000 |
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