Call reports 2006
SOUTHWIND BANK — 2006
What SOUTHWIND BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,503,000 | 75,302,000 | 77,149,000 | 80,357,000 |
| Total loans | 34,203,000 | 35,151,000 | 35,706,000 | 35,033,000 |
| Allowance for loan losses | 440,000 | 453,000 | 454,000 | 467,000 |
| Securities available for sale | 35,441,000 | 34,641,000 | 35,688,000 | 36,812,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,448,000 | 69,388,000 | 70,819,000 | 73,835,000 |
| Interest-bearing deposits | 53,204,000 | 56,403,000 | 58,659,000 | 59,222,000 |
| Noninterest-bearing deposits | 13,244,000 | 12,985,000 | 12,160,000 | 14,613,000 |
| Equity capital | 5,626,000 | 5,505,000 | 5,768,000 | 5,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 996,000 | 2,039,000 | 3,142,000 | 4,289,000 |
| Interest expense | 317,000 | 715,000 | 1,171,000 | 1,676,000 |
| Net interest income | 679,000 | 1,324,000 | 1,971,000 | 2,613,000 |
| Noninterest income | 35,000 | 71,000 | 113,000 | 159,000 |
| Noninterest expense | 456,000 | 925,000 | 1,373,000 | 1,945,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 226,000 | 391,000 | 617,000 | 718,000 |
| Income tax | 68,000 | 113,000 | 182,000 | 204,000 |
| Net income | 158,000 | 278,000 | 435,000 | 514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,905,000 | 5,950,000 | 6,007,000 | 6,086,000 |
| Total capital | 6,345,000 | 6,403,000 | 6,461,000 | 6,553,000 |
| Risk-weighted assets | 47,309,000 | 44,878,000 | 45,627,000 | 45,500,000 |