Call reports 2012
SOUTHERN HERITAGE BANK — 2012
What SOUTHERN HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 226,935,000 | 226,753,000 | 233,611,000 | 242,650,000 |
| Total loans | 140,258,000 | 144,488,000 | 147,130,000 | 153,073,000 |
| Allowance for loan losses | 2,841,000 | 1,749,000 | 1,987,000 | 2,272,000 |
| Securities available for sale | 58,319,000 | 57,321,000 | 59,892,000 | 57,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,194,000 | 194,270,000 | 199,575,000 | 208,511,000 |
| Interest-bearing deposits | 161,182,000 | 160,963,000 | 165,280,000 | 170,845,000 |
| Noninterest-bearing deposits | 35,012,000 | 33,307,000 | 34,295,000 | 37,666,000 |
| Equity capital | 28,700,000 | 29,719,000 | 30,655,000 | 30,960,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,365,000 | 4,712,000 | 7,113,000 | 9,580,000 |
| Interest expense | 361,000 | 696,000 | 1,032,000 | 1,366,000 |
| Net interest income | 2,004,000 | 4,016,000 | 6,081,000 | 8,214,000 |
| Noninterest income | 592,000 | 1,026,000 | 1,713,000 | 2,468,000 |
| Noninterest expense | 1,641,000 | 3,265,000 | 4,975,000 | 6,713,000 |
| Provision for loan losses | 271,000 | 352,000 | 558,000 | 979,000 |
| Pretax income | 975,000 | 2,037,000 | 2,982,000 | 3,837,000 |
| Income tax | 279,000 | 592,000 | 857,000 | 1,080,000 |
| Net income | 696,000 | 1,445,000 | 2,125,000 | 2,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,050,000 | 28,804,000 | 29,488,000 | 29,973,000 |
| Total capital | 30,145,000 | 30,553,000 | 31,475,000 | 32,165,000 |
| Risk-weighted assets | 166,814,000 | 170,294,000 | 171,990,000 | 175,288,000 |