Call reports 2005
SOUTHERN HERITAGE BANK — 2005
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 165,175,000 | 177,146,000 | 185,766,000 | 188,884,000 |
| Total loans | 132,767,000 | 135,190,000 | 145,328,000 | 151,376,000 |
| Allowance for loan losses | 1,839,000 | 1,886,000 | 1,969,000 | 2,036,000 |
| Securities available for sale | 17,778,000 | 20,685,000 | 21,886,000 | 24,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,472,000 | 157,567,000 | 165,494,000 | 168,183,000 |
| Interest-bearing deposits | 121,849,000 | 133,138,000 | 136,651,000 | 141,319,000 |
| Noninterest-bearing deposits | 24,623,000 | 24,429,000 | 28,843,000 | 26,864,000 |
| Equity capital | 17,655,000 | 18,259,000 | 18,753,000 | 18,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,842,000 | 7,566,000 | 10,550,000 |
| Interest expense | 683,000 | 1,467,000 | 2,372,000 | 3,385,000 |
| Net interest income | 1,635,000 | 3,375,000 | 5,194,000 | 7,165,000 |
| Noninterest income | 394,000 | 796,000 | 1,183,000 | 1,523,000 |
| Noninterest expense | 1,185,000 | 2,476,000 | 3,736,000 | 5,040,000 |
| Provision for loan losses | 129,000 | 187,000 | 298,000 | 374,000 |
| Pretax income | 712,000 | 1,504,000 | 2,337,000 | 3,269,000 |
| Income tax | 255,000 | 519,000 | 787,000 | 1,105,000 |
| Net income | 457,000 | 985,000 | 1,550,000 | 2,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,879,000 | 18,339,000 | 18,833,000 | 19,370,000 |
| Total capital | 19,688,000 | 20,185,000 | 20,802,000 | 21,406,000 |
| Risk-weighted assets | 144,670,000 | 147,601,000 | 158,311,000 | 164,155,000 |
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