Call reports 2011
SOUTHWIND BANK — 2011
What SOUTHWIND BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 96,574,000 | 102,468,000 | 103,004,000 | 107,221,000 |
| Total loans | 35,279,000 | 35,616,000 | 37,087,000 | 39,432,000 |
| Allowance for loan losses | 578,000 | 610,000 | 643,000 | 679,000 |
| Securities available for sale | 33,267,000 | 35,032,000 | 33,226,000 | 33,973,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,161,000 | 92,544,000 | 92,608,000 | 96,824,000 |
| Interest-bearing deposits | 68,838,000 | 70,901,000 | 69,853,000 | 73,715,000 |
| Noninterest-bearing deposits | 18,323,000 | 21,643,000 | 22,755,000 | 23,109,000 |
| Equity capital | 8,826,000 | 9,179,000 | 9,475,000 | 9,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 812,000 | 1,667,000 | 2,481,000 | 3,299,000 |
| Interest expense | 142,000 | 280,000 | 411,000 | 540,000 |
| Net interest income | 670,000 | 1,387,000 | 2,070,000 | 2,759,000 |
| Noninterest income | 42,000 | 81,000 | 122,000 | 179,000 |
| Noninterest expense | 496,000 | 1,011,000 | 1,504,000 | 2,134,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 198,000 | 421,000 | 634,000 | 732,000 |
| Income tax | 8,000 | 20,000 | 30,000 | 47,000 |
| Net income | 190,000 | 401,000 | 604,000 | 685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,193,000 | 8,279,000 | 8,332,000 | 8,413,000 |
| Total capital | 8,771,000 | 8,889,000 | 8,975,000 | 9,092,000 |
| Risk-weighted assets | 49,745,000 | 51,303,000 | 52,509,000 | 55,492,000 |