Call reports 2007
SOUTHWIND BANK — 2007
What SOUTHWIND BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 85,567,000 | 80,961,000 | 79,715,000 | 81,838,000 |
| Total loans | 34,384,000 | 35,230,000 | 35,132,000 | 33,745,000 |
| Allowance for loan losses | 482,000 | 479,000 | 487,000 | 393,000 |
| Securities available for sale | 39,216,000 | 40,309,000 | 37,559,000 | 34,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,866,000 | 74,526,000 | 72,814,000 | 74,577,000 |
| Interest-bearing deposits | 64,450,000 | 60,956,000 | 58,311,000 | 59,806,000 |
| Noninterest-bearing deposits | 14,416,000 | 13,570,000 | 14,503,000 | 14,771,000 |
| Equity capital | 6,112,000 | 6,007,000 | 6,359,000 | 6,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,192,000 | 2,373,000 | 3,524,000 | 4,683,000 |
| Interest expense | 517,000 | 1,021,000 | 1,562,000 | 2,098,000 |
| Net interest income | 675,000 | 1,352,000 | 1,962,000 | 2,585,000 |
| Noninterest income | 33,000 | 80,000 | 127,000 | 181,000 |
| Noninterest expense | 474,000 | 968,000 | 1,424,000 | 2,000,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 207,000 | 422,000 | 608,000 | 694,000 |
| Income tax | 53,000 | 108,000 | 152,000 | 163,000 |
| Net income | 154,000 | 314,000 | 456,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,240,000 | 6,326,000 | 6,367,000 | 6,442,000 |
| Total capital | 6,722,000 | 6,805,000 | 6,854,000 | 6,835,000 |
| Risk-weighted assets | 46,003,000 | 45,705,000 | 45,234,000 | 44,379,000 |