Call reports 2012
SOUTHWIND BANK — 2012
What SOUTHWIND BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,076,000 | 113,966,000 | 112,646,000 | 112,073,000 |
| Total loans | 37,471,000 | 38,296,000 | 38,100,000 | 38,013,000 |
| Allowance for loan losses | 708,000 | 730,000 | 744,000 | 767,000 |
| Securities available for sale | 34,451,000 | 38,571,000 | 40,740,000 | 43,819,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,300,000 | 103,089,000 | 101,735,000 | 101,243,000 |
| Interest-bearing deposits | 80,302,000 | 79,249,000 | 78,043,000 | 76,354,000 |
| Noninterest-bearing deposits | 21,998,000 | 23,840,000 | 23,692,000 | 24,889,000 |
| Equity capital | 9,824,000 | 9,923,000 | 9,950,000 | 9,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 810,000 | 1,613,000 | 2,429,000 | 3,240,000 |
| Interest expense | 124,000 | 244,000 | 359,000 | 472,000 |
| Net interest income | 686,000 | 1,369,000 | 2,070,000 | 2,768,000 |
| Noninterest income | 46,000 | 92,000 | 132,000 | 192,000 |
| Noninterest expense | 483,000 | 978,000 | 1,467,000 | 2,154,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 234,000 | 453,000 | 690,000 | 746,000 |
| Income tax | 12,000 | 19,000 | 30,000 | 32,000 |
| Net income | 222,000 | 434,000 | 660,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,635,000 | 8,722,000 | 8,798,000 | 8,852,000 |
| Total capital | 9,326,000 | 9,428,000 | 9,503,000 | 9,553,000 |
| Risk-weighted assets | 55,300,000 | 56,462,000 | 56,344,000 | 56,011,000 |