Call reports 2006
SOUTHERN HERITAGE BANK — 2006
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 193,173,000 | 200,157,000 | 205,629,000 | 217,778,000 |
| Total loans | 147,329,000 | 157,572,000 | 163,157,000 | 164,652,000 |
| Allowance for loan losses | 1,880,000 | 1,962,000 | 2,220,000 | 1,971,000 |
| Securities available for sale | 24,051,000 | 26,117,000 | 24,534,000 | 28,746,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,817,000 | 175,115,000 | 179,380,000 | 191,099,000 |
| Interest-bearing deposits | 144,746,000 | 148,255,000 | 151,966,000 | 164,758,000 |
| Noninterest-bearing deposits | 27,071,000 | 26,860,000 | 27,414,000 | 26,341,000 |
| Equity capital | 19,569,000 | 19,968,000 | 20,890,000 | 21,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,108,000 | 6,516,000 | 10,181,000 | 13,984,000 |
| Interest expense | 1,119,000 | 2,398,000 | 3,931,000 | 5,607,000 |
| Net interest income | 1,989,000 | 4,118,000 | 6,250,000 | 8,377,000 |
| Noninterest income | 343,000 | 692,000 | 1,033,000 | 1,323,000 |
| Noninterest expense | 1,332,000 | 2,740,000 | 4,195,000 | 5,672,000 |
| Provision for loan losses | 51,000 | 169,000 | 435,000 | 756,000 |
| Pretax income | 959,000 | 1,914,000 | 2,849,000 | 3,463,000 |
| Income tax | 327,000 | 652,000 | 956,000 | 1,160,000 |
| Net income | 632,000 | 1,262,000 | 1,893,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,929,000 | 20,479,000 | 21,123,000 | 21,796,000 |
| Total capital | 21,809,000 | 22,441,000 | 23,313,000 | 23,767,000 |
| Risk-weighted assets | 161,468,000 | 172,224,000 | 176,804,000 | 179,968,000 |
Machine access — free, no API key
Every figure shown here about SOUTHERN HERITAGE BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.