Vitals
  • Total Assets
    285.4M -1.6 %
  • Total Deposits
    248.9M -2.0 %
  • Total Net Loans
    197.3M 6.2 %
  • Net Income
    4.4M -4.9 %
  • Book Value
    33.7M -0.6 %
  • Book Value x2
    67.5M -0.6 %
  • Book Value x3
    101.2M -0.6 %
ROAA

1.545

ROAE

12.633

Efficiency Ratio

67.196

Net Interest Margin

4.44

Balance Sheet Highlights
Financial Highlights Southern Heritage Bank All Insured Commercial Banks in Louisiana
Balance Sheet $(000)
Total Assets 285,398 340,347
Total Net Loans 197,251 227,146
Total Deposits 248,912 291,952
Total Equity 33,741 36,108
Profitability
Net Income 4,353 3,221
Return on Average Assets 1.545 .994
Return on Average Equity 12.633 8.993
Net Interest Margin 4.44 4.112
Efficiency Ratio 67.196 68.63
Noninterest Income/Revenue 14.814 14.204
Balance Sheet Ratios
Loan-to-Deposit 79.245 74.405
Securities/Assets .211 .197
Total Equity/Total Assets .118 .106
Tangible Equity/Tangible Assets .118 .105
Capital Adequacy
Tier 1 Common Capital 33,378 35,803
Tier 1 Capital 33,378 36,059
Tier 2 Capital 2,127 2,443
Total Capital 35,505 38,519
Total Risk Weighted Assets 175,232 245,733
Leverage Ratio 11.88 10.776
Common Equity Tier 1 Capital Ratio 19.05 16.476
Tier 1 Capital Ratio 19.05 16.481
Total Capital Ratio 20.26 17.491

Timeline for Southern Heritage Bank

Shb Bancorp, Inc.

Shb Bancorp, Inc. became a new parent organization for Southern Heritage Bank.

View Profile Jan 01 2012

The Olla State Bank

Acquisition: Southern Heritage Bank acquired a new subsidiary, The Olla State Bank, 34 years

View Profile Oct 06 1989

The Lasalle State Bank

Acquisition: Southern Heritage Bank acquired a new subsidiary, The Lasalle State Bank, 34 years

View Profile Sep 08 1989

Southern Heritage Bank

Southern Heritage Bank was established 52 years ago and is currently headquartered in Jonesville, LA.

May 25 1972
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Olla State Bank Seller 23,569 Failure 10/6/1989
The Lasalle State Bank Seller 38,808 Failure 9/8/1989
Relationships Role Relationship Start Relationship End
Shb Bancorp, Inc. Parent 1/1/2012
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