Call reports 2008
SOUTHERN HERITAGE BANK — 2008
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 208,737,000 | 217,337,000 | 215,540,000 | 213,996,000 |
| Total loans | 155,743,000 | 153,599,000 | 155,380,000 | 154,113,000 |
| Allowance for loan losses | 2,437,000 | 2,311,000 | 3,045,000 | 5,090,000 |
| Securities available for sale | 33,466,000 | 39,241,000 | 42,677,000 | 42,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,723,000 | 192,327,000 | 191,131,000 | 189,763,000 |
| Interest-bearing deposits | 160,988,000 | 166,486,000 | 165,020,000 | 165,213,000 |
| Noninterest-bearing deposits | 24,735,000 | 25,841,000 | 26,111,000 | 24,550,000 |
| Equity capital | 21,083,000 | 20,972,000 | 20,536,000 | 16,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,350,000 | 6,441,000 | 9,516,000 | 11,823,000 |
| Interest expense | 1,460,000 | 2,716,000 | 4,015,000 | 5,326,000 |
| Net interest income | 1,890,000 | 3,725,000 | 5,501,000 | 6,497,000 |
| Noninterest income | 368,000 | 765,000 | 1,198,000 | 2,146,000 |
| Noninterest expense | 1,725,000 | 3,492,000 | 5,144,000 | 6,911,000 |
| Provision for loan losses | 118,000 | 122,000 | 1,537,000 | 3,954,000 |
| Pretax income | 615,000 | 1,118,000 | 252,000 | -4,066,000 |
| Income tax | 172,000 | 297,000 | -109,000 | -1,526,000 |
| Net income | 443,000 | 821,000 | 361,000 | -2,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,299,000 | 21,503,000 | 20,990,000 | 17,137,000 |
| Total capital | 23,446,000 | 23,636,000 | 23,132,000 | 19,225,000 |
| Risk-weighted assets | 171,450,000 | 170,435,000 | 170,442,000 | 164,056,000 |
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