Call reports 2005
SOUTHWIND BANK — 2005
What SOUTHWIND BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 65,975,000 | 67,933,000 | 71,401,000 | 72,564,000 |
| Total loans | 32,157,000 | 32,568,000 | 33,469,000 | 33,837,000 |
| Allowance for loan losses | 531,000 | 493,000 | 484,000 | 475,000 |
| Securities available for sale | 29,937,000 | 31,501,000 | 30,265,000 | 33,362,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,082,000 | 61,984,000 | 65,346,000 | 66,683,000 |
| Interest-bearing deposits | 51,746,000 | 53,179,000 | 54,020,000 | 54,678,000 |
| Noninterest-bearing deposits | 8,336,000 | 8,805,000 | 11,326,000 | 12,005,000 |
| Equity capital | 5,632,000 | 5,648,000 | 5,711,000 | 5,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,687,000 | 2,604,000 | 3,557,000 |
| Interest expense | 213,000 | 447,000 | 722,000 | 1,036,000 |
| Net interest income | 610,000 | 1,240,000 | 1,882,000 | 2,521,000 |
| Noninterest income | 34,000 | 75,000 | 117,000 | 164,000 |
| Noninterest expense | 453,000 | 935,000 | 1,390,000 | 1,968,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 173,000 | 342,000 | 556,000 | 585,000 |
| Income tax | 48,000 | 92,000 | 155,000 | 148,000 |
| Net income | 125,000 | 250,000 | 401,000 | 437,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,754,000 | 5,650,000 | 5,801,000 | 5,747,000 |
| Total capital | 6,258,000 | 6,143,000 | 6,285,000 | 6,222,000 |
| Risk-weighted assets | 40,265,000 | 40,988,000 | 42,471,000 | 42,720,000 |