Call reports 2007
SOUTHERN HERITAGE BANK — 2007
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 220,409,000 | 217,936,000 | 216,999,000 | 216,681,000 |
| Total loans | 156,512,000 | 155,196,000 | 155,929,000 | 155,062,000 |
| Allowance for loan losses | 1,995,000 | 4,307,000 | 4,830,000 | 2,459,000 |
| Securities available for sale | 36,457,000 | 40,575,000 | 45,244,000 | 43,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,069,000 | 195,475,000 | 193,928,000 | 193,675,000 |
| Interest-bearing deposits | 170,110,000 | 164,948,000 | 167,945,000 | 167,648,000 |
| Noninterest-bearing deposits | 25,959,000 | 30,527,000 | 25,983,000 | 26,027,000 |
| Equity capital | 21,997,000 | 20,086,000 | 20,868,000 | 20,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,804,000 | 7,539,000 | 11,338,000 | 15,107,000 |
| Interest expense | 1,802,000 | 3,628,000 | 5,417,000 | 7,139,000 |
| Net interest income | 2,002,000 | 3,911,000 | 5,921,000 | 7,968,000 |
| Noninterest income | 274,000 | 579,000 | 950,000 | 1,329,000 |
| Noninterest expense | 1,554,000 | 3,127,000 | 4,817,000 | 6,368,000 |
| Provision for loan losses | 26,000 | 2,440,000 | 2,941,000 | 4,253,000 |
| Pretax income | 700,000 | -1,074,000 | -876,000 | -1,250,000 |
| Income tax | 209,000 | -535,000 | -536,000 | -858,000 |
| Net income | 491,000 | -539,000 | -340,000 | -392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,204,000 | 21,089,000 | 21,197,000 | 21,046,000 |
| Total capital | 24,199,000 | 23,294,000 | 23,423,000 | 23,208,000 |
| Risk-weighted assets | 176,871,000 | 174,258,000 | 175,504,000 | 172,698,000 |
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