Call reports 2010
SOUTHWIND BANK — 2010
What SOUTHWIND BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 93,434,000 | 94,424,000 | 96,800,000 | 92,477,000 |
| Total loans | 34,669,000 | 35,968,000 | 36,056,000 | 36,392,000 |
| Allowance for loan losses | 468,000 | 530,000 | 570,000 | 588,000 |
| Securities available for sale | 37,637,000 | 36,589,000 | 33,755,000 | 32,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,174,000 | 85,201,000 | 86,961,000 | 83,541,000 |
| Interest-bearing deposits | 66,536,000 | 66,460,000 | 65,957,000 | 65,472,000 |
| Noninterest-bearing deposits | 17,638,000 | 18,741,000 | 21,004,000 | 18,069,000 |
| Equity capital | 8,402,000 | 8,465,000 | 8,874,000 | 8,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 881,000 | 1,768,000 | 2,641,000 | 3,493,000 |
| Interest expense | 196,000 | 382,000 | 550,000 | 704,000 |
| Net interest income | 685,000 | 1,386,000 | 2,091,000 | 2,789,000 |
| Noninterest income | 44,000 | 93,000 | 135,000 | 188,000 |
| Noninterest expense | 502,000 | 1,023,000 | 1,538,000 | 2,209,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 209,000 | 420,000 | 634,000 | 696,000 |
| Income tax | 10,000 | 19,000 | 30,000 | -41,000 |
| Net income | 199,000 | 401,000 | 604,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,670,000 | 7,792,000 | 7,871,000 | 8,003,000 |
| Total capital | 8,138,000 | 8,322,000 | 8,441,000 | 8,591,000 |
| Risk-weighted assets | 48,553,000 | 49,423,000 | 49,798,000 | 49,445,000 |