Call reports 2004
SOUTHWIND BANK — 2004
What SOUTHWIND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 66,291,000 | 65,375,000 | 65,412,000 | 69,298,000 |
| Total loans | 32,576,000 | 32,980,000 | 32,758,000 | 32,879,000 |
| Allowance for loan losses | 505,000 | 521,000 | 468,000 | 496,000 |
| Securities available for sale | 24,218,000 | 26,332,000 | 28,510,000 | 29,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,759,000 | 59,583,000 | 58,710,000 | 63,165,000 |
| Interest-bearing deposits | 51,824,000 | 50,993,000 | 50,807,000 | 53,238,000 |
| Noninterest-bearing deposits | 7,935,000 | 8,590,000 | 7,903,000 | 9,927,000 |
| Equity capital | 5,932,000 | 5,520,000 | 5,853,000 | 5,756,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,594,000 | 2,422,000 | 3,262,000 |
| Interest expense | 235,000 | 461,000 | 695,000 | 916,000 |
| Net interest income | 581,000 | 1,133,000 | 1,727,000 | 2,346,000 |
| Noninterest income | 40,000 | 80,000 | 119,000 | 161,000 |
| Noninterest expense | 471,000 | 932,000 | 1,378,000 | 1,951,000 |
| Provision for loan losses | 15,000 | 30,000 | 65,000 | 115,000 |
| Pretax income | 135,000 | 251,000 | 403,000 | 426,000 |
| Income tax | 33,000 | 59,000 | 99,000 | 80,000 |
| Net income | 102,000 | 192,000 | 304,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,510,000 | 5,536,000 | 5,647,000 | 5,629,000 |
| Total capital | 6,015,000 | 6,057,000 | 6,115,000 | 6,125,000 |
| Risk-weighted assets | 40,467,000 | 45,131,000 | 44,972,000 | 45,440,000 |