Call reports 2009
SOUTHWIND BANK — 2009
What SOUTHWIND BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 89,069,000 | 84,313,000 | 83,595,000 | 86,323,000 |
| Total loans | 34,832,000 | 35,535,000 | 35,672,000 | 35,017,000 |
| Allowance for loan losses | 391,000 | 433,000 | 435,000 | 426,000 |
| Securities available for sale | 42,688,000 | 38,345,000 | 37,247,000 | 36,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,853,000 | 76,251,000 | 74,626,000 | 77,564,000 |
| Interest-bearing deposits | 64,448,000 | 60,170,000 | 59,680,000 | 61,368,000 |
| Noninterest-bearing deposits | 16,405,000 | 16,081,000 | 14,946,000 | 16,196,000 |
| Equity capital | 7,510,000 | 7,471,000 | 8,083,000 | 8,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 1,994,000 | 2,940,000 | 3,864,000 |
| Interest expense | 286,000 | 537,000 | 767,000 | 980,000 |
| Net interest income | 733,000 | 1,457,000 | 2,173,000 | 2,884,000 |
| Noninterest income | 21,000 | 59,000 | 103,000 | 159,000 |
| Noninterest expense | 487,000 | 1,015,000 | 1,515,000 | 2,208,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 252,000 | 479,000 | 724,000 | 783,000 |
| Income tax | 34,000 | 52,000 | 77,000 | 37,000 |
| Net income | 218,000 | 427,000 | 647,000 | 746,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,148,000 | 7,277,000 | 7,373,000 | 7,471,000 |
| Total capital | 7,539,000 | 7,710,000 | 7,808,000 | 7,897,000 |
| Risk-weighted assets | 47,285,000 | 47,417,000 | 46,799,000 | 47,375,000 |