Call reports 2013
SOUTHERN HILLS COMMUNITY BANK — 2013
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 89,573,000 | 88,764,000 | 85,970,000 | 83,095,000 |
| Total loans | 65,165,000 | 63,422,000 | 62,831,000 | 61,922,000 |
| Allowance for loan losses | 809,000 | 819,000 | 861,000 | 766,000 |
| Securities available for sale | 50,000 | 47,000 | 44,000 | 42,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,566,000 | 74,696,000 | 71,788,000 | 68,979,000 |
| Interest-bearing deposits | 72,233,000 | 71,287,000 | 69,067,000 | 65,707,000 |
| Noninterest-bearing deposits | 3,333,000 | 3,409,000 | 2,721,000 | 3,272,000 |
| Equity capital | 12,462,000 | 12,561,000 | 12,653,000 | 12,762,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,145,000 | 3,166,000 | 4,177,000 |
| Interest expense | 109,000 | 199,000 | 288,000 | 367,000 |
| Net interest income | 972,000 | 1,946,000 | 2,878,000 | 3,810,000 |
| Noninterest income | 64,000 | 115,000 | 150,000 | 168,000 |
| Noninterest expense | 822,000 | 1,593,000 | 2,349,000 | 3,387,000 |
| Provision for loan losses | 105,000 | 210,000 | 280,000 | 340,000 |
| Pretax income | 109,000 | 258,000 | 399,000 | 251,000 |
| Income tax | 37,000 | 88,000 | 136,000 | 69,000 |
| Net income | 72,000 | 170,000 | 263,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,523,000 | 12,635,000 | 12,739,000 | 12,671,000 |
| Total capital | 13,175,000 | 13,259,000 | 13,347,000 | 13,266,000 |
| Risk-weighted assets | 51,218,000 | 49,687,000 | 48,392,000 | 47,374,000 |