Call reports 2002
SOUTHWIND BANK — 2002
What SOUTHWIND BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 58,422,000 | 58,718,000 | 60,401,000 | 62,500,000 |
| Total loans | 32,943,000 | 32,975,000 | 33,543,000 | 34,079,000 |
| Allowance for loan losses | 568,000 | 551,000 | 528,000 | 519,000 |
| Securities available for sale | 21,129,000 | 21,373,000 | 20,845,000 | 21,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,619,000 | 52,579,000 | 53,976,000 | 56,173,000 |
| Interest-bearing deposits | 46,484,000 | 44,519,000 | 47,539,000 | 49,770,000 |
| Noninterest-bearing deposits | 6,135,000 | 8,060,000 | 6,437,000 | 6,403,000 |
| Equity capital | 5,225,000 | 5,496,000 | 5,711,000 | 5,658,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,847,000 | 2,724,000 | 3,674,000 |
| Interest expense | 376,000 | 713,000 | 1,049,000 | 1,376,000 |
| Net interest income | 583,000 | 1,134,000 | 1,675,000 | 2,298,000 |
| Noninterest income | 46,000 | 94,000 | 143,000 | 194,000 |
| Noninterest expense | 424,000 | 834,000 | 1,268,000 | 1,786,000 |
| Provision for loan losses | 65,000 | 80,000 | 105,000 | 270,000 |
| Pretax income | 140,000 | 314,000 | 445,000 | 436,000 |
| Income tax | 32,000 | 78,000 | 108,000 | 79,000 |
| Net income | 108,000 | 236,000 | 337,000 | 357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,038,000 | 5,111,000 | 5,212,000 | 5,172,000 |
| Total capital | 5,489,000 | 5,561,000 | 5,672,000 | 5,643,000 |
| Risk-weighted assets | 35,949,000 | 35,913,000 | 36,693,000 | 37,632,000 |