Call reports 2009
SOUTHERN HERITAGE BANK — 2009
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 220,605,000 | 226,384,000 | 221,125,000 | 217,995,000 |
| Total loans | 148,290,000 | 150,611,000 | 151,798,000 | 153,867,000 |
| Allowance for loan losses | 3,728,000 | 3,826,000 | 3,946,000 | 3,688,000 |
| Securities available for sale | 43,732,000 | 41,577,000 | 46,262,000 | 46,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,181,000 | 194,695,000 | 188,998,000 | 186,799,000 |
| Interest-bearing deposits | 167,672,000 | 168,618,000 | 163,014,000 | 158,776,000 |
| Noninterest-bearing deposits | 26,509,000 | 26,077,000 | 25,984,000 | 28,023,000 |
| Equity capital | 18,060,000 | 22,433,000 | 23,581,000 | 23,059,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,545,000 | 5,098,000 | 7,671,000 | 10,359,000 |
| Interest expense | 1,136,000 | 2,180,000 | 3,139,000 | 4,000,000 |
| Net interest income | 1,409,000 | 2,918,000 | 4,532,000 | 6,359,000 |
| Noninterest income | 512,000 | 1,056,000 | 1,524,000 | 2,061,000 |
| Noninterest expense | 1,565,000 | 3,235,000 | 4,932,000 | 6,741,000 |
| Provision for loan losses | 53,000 | 495,000 | 707,000 | 977,000 |
| Pretax income | 454,000 | 503,000 | 675,000 | 986,000 |
| Income tax | 0 | 0 | 0 | 73,000 |
| Net income | 454,000 | 503,000 | 675,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,549,000 | 22,065,000 | 22,103,000 | 21,504,000 |
| Total capital | 19,571,000 | 24,137,000 | 24,145,000 | 23,543,000 |
| Risk-weighted assets | 160,086,000 | 163,967,000 | 161,493,000 | 161,502,000 |
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