Call reports 2014
SOUTHERN HILLS COMMUNITY BANK — 2014
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 84,919,000 | 85,304,000 | 82,436,000 | 79,374,000 |
| Total loans | 60,238,000 | 59,267,000 | 57,711,000 | 57,535,000 |
| Allowance for loan losses | 771,000 | 745,000 | 743,000 | 714,000 |
| Securities available for sale | 40,000 | 38,000 | 35,000 | 33,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,851,000 | 71,139,000 | 68,548,000 | 65,441,000 |
| Interest-bearing deposits | 67,445,000 | 67,675,000 | 65,528,000 | 62,570,000 |
| Noninterest-bearing deposits | 3,406,000 | 3,464,000 | 3,020,000 | 2,871,000 |
| Equity capital | 12,851,000 | 12,936,000 | 12,945,000 | 12,985,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,880,000 | 2,788,000 | 3,642,000 |
| Interest expense | 71,000 | 130,000 | 189,000 | 245,000 |
| Net interest income | 879,000 | 1,750,000 | 2,599,000 | 3,397,000 |
| Noninterest income | 54,000 | 112,000 | 167,000 | 227,000 |
| Noninterest expense | 723,000 | 1,448,000 | 2,265,000 | 2,982,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 135,000 | 264,000 | 276,000 | 342,000 |
| Income tax | 46,000 | 90,000 | 94,000 | 119,000 |
| Net income | 89,000 | 174,000 | 182,000 | 223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,765,000 | 12,854,000 | 12,868,000 | 12,913,000 |
| Total capital | 13,353,000 | 13,435,000 | 13,376,000 | 13,472,000 |
| Risk-weighted assets | 46,791,000 | 46,236,000 | 44,385,000 | 44,551,000 |