Call reports 2023
SOUTHERN HILLS COMMUNITY BANK — 2023
What SOUTHERN HILLS COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 179,435,000 | 177,750,000 | 175,376,000 | 178,415,000 |
| Total loans | 107,447,000 | 109,340,000 | 111,990,000 | 114,911,000 |
| Allowance for loan losses | 1,243,000 | 1,272,000 | 1,241,000 | 1,288,000 |
| Securities available for sale | 39,239,000 | 38,217,000 | 36,431,000 | 37,303,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,592,000 | 151,746,000 | 149,244,000 | 151,652,000 |
| Interest-bearing deposits | 129,416,000 | 129,883,000 | 127,121,000 | 129,937,000 |
| Noninterest-bearing deposits | 24,176,000 | 21,863,000 | 22,123,000 | 21,715,000 |
| Equity capital | 24,256,000 | 24,177,000 | 24,080,000 | 24,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,812,000 | 3,725,000 | 5,689,000 | 7,754,000 |
| Interest expense | 179,000 | 447,000 | 823,000 | 1,279,000 |
| Net interest income | 1,633,000 | 3,278,000 | 4,866,000 | 6,475,000 |
| Noninterest income | 142,000 | 280,000 | 428,000 | 613,000 |
| Noninterest expense | 1,578,000 | 3,208,000 | 4,832,000 | 6,413,000 |
| Provision for loan losses | 0 | 33,000 | 44,000 | 100,000 |
| Pretax income | 197,000 | 350,000 | 452,000 | 626,000 |
| Income tax | 28,000 | 47,000 | 55,000 | 43,000 |
| Net income | 169,000 | 303,000 | 397,000 | 583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,877,000 | 26,024,000 | 26,132,000 | 26,331,000 |