Call reports 2012
SOUTHERN HILLS COMMUNITY BANK — 2012
What SOUTHERN HILLS COMMUNITY 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 | 87,426,000 | 85,056,000 | 87,539,000 | 86,500,000 |
| Total loans | 72,587,000 | 71,785,000 | 69,826,000 | 68,808,000 |
| Allowance for loan losses | 890,000 | 919,000 | 833,000 | 837,000 |
| Securities available for sale | 59,000 | 57,000 | 50,000 | 54,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,320,000 | 70,354,000 | 73,246,000 | 72,426,000 |
| Interest-bearing deposits | 67,145,000 | 67,951,000 | 70,049,000 | 68,933,000 |
| Noninterest-bearing deposits | 2,175,000 | 2,403,000 | 3,197,000 | 3,493,000 |
| Equity capital | 12,248,000 | 12,381,000 | 12,486,000 | 12,391,000 |
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 | 1,222,000 | 2,425,000 | 3,582,000 | 4,681,000 |
| Interest expense | 154,000 | 294,000 | 423,000 | 544,000 |
| Net interest income | 1,068,000 | 2,131,000 | 3,159,000 | 4,137,000 |
| Noninterest income | 50,000 | 130,000 | 197,000 | 256,000 |
| Noninterest expense | 795,000 | 1,603,000 | 2,404,000 | 3,279,000 |
| Provision for loan losses | 105,000 | 240,000 | 375,000 | 567,000 |
| Pretax income | 218,000 | 418,000 | 577,000 | 547,000 |
| Income tax | 74,000 | 142,000 | 196,000 | 186,000 |
| Net income | 144,000 | 276,000 | 381,000 | 361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,184,000 | 12,330,000 | 12,447,000 | 12,440,000 |
| Total capital | 12,872,000 | 12,995,000 | 13,082,000 | 13,095,000 |
| Risk-weighted assets | 54,045,000 | 52,961,000 | 53,103,000 | 52,189,000 |