Call reports 2020
SOUTHERN HILLS COMMUNITY BANK — 2020
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 160,962,000 | 167,510,000 | 170,912,000 | 172,163,000 |
| Total loans | 112,477,000 | 109,098,000 | 106,940,000 | 103,983,000 |
| Allowance for loan losses | 793,000 | 818,000 | 825,000 | 842,000 |
| Securities available for sale | 3,269,000 | 17,148,000 | 18,793,000 | 32,209,000 |
| Securities held to maturity | 99,000 | 99,000 | 100,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,103,000 | 140,196,000 | 143,346,000 | 144,783,000 |
| Interest-bearing deposits | 120,875,000 | 122,095,000 | 124,330,000 | 124,009,000 |
| Noninterest-bearing deposits | 13,228,000 | 18,101,000 | 19,016,000 | 20,774,000 |
| Equity capital | 25,044,000 | 25,376,000 | 25,436,000 | 25,318,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,747,000 | 3,543,000 | 5,203,000 | 6,796,000 |
| Interest expense | 236,000 | 456,000 | 661,000 | 841,000 |
| Net interest income | 1,511,000 | 3,087,000 | 4,542,000 | 5,955,000 |
| Noninterest income | 97,000 | 191,000 | 307,000 | 407,000 |
| Noninterest expense | 1,568,000 | 3,099,000 | 4,612,000 | 6,116,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 80,000 | 219,000 | 277,000 | 286,000 |
| Income tax | 12,000 | 36,000 | 43,000 | 18,000 |
| Net income | 68,000 | 183,000 | 234,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,552,000 | 24,681,000 | 24,744,000 | 24,791,000 |
| Total capital | 25,345,000 | 25,499,000 | 25,569,000 | 25,633,000 |
| Risk-weighted assets | 100,820,000 | 108,837,000 | 110,232,000 | 113,321,000 |