Call reports 2016
SOUTHERN HILLS COMMUNITY BANK — 2016
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 82,903,000 | 86,258,000 | 87,568,000 | 85,516,000 |
| Total loans | 53,143,000 | 53,605,000 | 53,892,000 | 54,327,000 |
| Allowance for loan losses | 645,000 | 608,000 | 595,000 | 599,000 |
| Securities available for sale | 19,000 | 17,000 | 16,000 | 14,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,694,000 | 71,936,000 | 73,140,000 | 71,095,000 |
| Interest-bearing deposits | 64,611,000 | 66,949,000 | 67,830,000 | 65,640,000 |
| Noninterest-bearing deposits | 4,083,000 | 4,987,000 | 5,310,000 | 5,455,000 |
| Equity capital | 13,312,000 | 13,355,000 | 13,390,000 | 13,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 780,000 | 1,565,000 | 2,366,000 | 3,162,000 |
| Interest expense | 53,000 | 106,000 | 162,000 | 217,000 |
| Net interest income | 727,000 | 1,459,000 | 2,204,000 | 2,945,000 |
| Noninterest income | 72,000 | 144,000 | 219,000 | 284,000 |
| Noninterest expense | 710,000 | 1,434,000 | 2,184,000 | 2,906,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 74,000 | 139,000 | 194,000 | 263,000 |
| Income tax | 25,000 | 47,000 | 66,000 | 90,000 |
| Net income | 49,000 | 92,000 | 128,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,293,000 | 13,338,000 | 13,375,000 | 13,422,000 |
| Total capital | 13,820,000 | 13,882,000 | 13,927,000 | 13,978,000 |
| Risk-weighted assets | 42,062,000 | 43,441,000 | 44,082,000 | 44,465,000 |