Call reports 2015
SOUTHERN HILLS COMMUNITY BANK — 2015
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 82,260,000 | 82,742,000 | 82,987,000 | 81,248,000 |
| Total loans | 55,459,000 | 55,109,000 | 54,699,000 | 53,492,000 |
| Allowance for loan losses | 730,000 | 769,000 | 707,000 | 641,000 |
| Securities available for sale | 31,000 | 28,000 | 26,000 | 22,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,347,000 | 68,626,000 | 68,680,000 | 66,915,000 |
| Interest-bearing deposits | 65,175,000 | 65,445,000 | 65,416,000 | 63,586,000 |
| Noninterest-bearing deposits | 3,172,000 | 3,181,000 | 3,264,000 | 3,329,000 |
| Equity capital | 13,036,000 | 13,117,000 | 13,199,000 | 13,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,690,000 | 2,517,000 | 3,325,000 |
| Interest expense | 54,000 | 108,000 | 165,000 | 219,000 |
| Net interest income | 799,000 | 1,582,000 | 2,352,000 | 3,106,000 |
| Noninterest income | 62,000 | 133,000 | 200,000 | 253,000 |
| Noninterest expense | 718,000 | 1,395,000 | 2,098,000 | 2,806,000 |
| Provision for loan losses | 66,000 | 120,000 | 130,000 | 130,000 |
| Pretax income | 77,000 | 200,000 | 324,000 | 423,000 |
| Income tax | 26,000 | 68,000 | 110,000 | 146,000 |
| Net income | 51,000 | 132,000 | 214,000 | 277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,009,000 | 13,092,000 | 13,176,000 | 13,241,000 |
| Total capital | 13,533,000 | 13,636,000 | 13,722,000 | 13,772,000 |
| Risk-weighted assets | 41,740,000 | 43,318,000 | 43,541,000 | 42,376,000 |