Call reports 2013
SOUTHWIND BANK — 2013
What SOUTHWIND BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 117,258,000 | 112,776,000 | 111,913,000 | 115,409,000 |
| Total loans | 36,811,000 | 39,356,000 | 39,403,000 | 40,263,000 |
| Allowance for loan losses | 771,000 | 755,000 | 774,000 | 743,000 |
| Securities available for sale | 64,106,000 | 63,190,000 | 62,616,000 | 58,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,275,000 | 102,928,000 | 102,748,000 | 105,942,000 |
| Interest-bearing deposits | 80,876,000 | 77,398,000 | 78,073,000 | 80,262,000 |
| Noninterest-bearing deposits | 25,399,000 | 25,530,000 | 24,675,000 | 25,680,000 |
| Equity capital | 10,109,000 | 9,440,000 | 8,969,000 | 9,314,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 786,000 | 1,578,000 | 2,405,000 | 3,220,000 |
| Interest expense | 103,000 | 198,000 | 286,000 | 372,000 |
| Net interest income | 683,000 | 1,380,000 | 2,119,000 | 2,848,000 |
| Noninterest income | 38,000 | 80,000 | 122,000 | 180,000 |
| Noninterest expense | 546,000 | 1,098,000 | 1,607,000 | 2,218,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 169,000 | 350,000 | 616,000 | 786,000 |
| Income tax | 6,000 | 15,000 | 26,000 | 27,000 |
| Net income | 163,000 | 335,000 | 590,000 | 759,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,015,000 | 9,063,000 | 9,167,000 | 9,337,000 |
| Total capital | 9,716,000 | 9,784,000 | 9,889,000 | 10,075,000 |
| Risk-weighted assets | 56,009,000 | 57,639,000 | 57,695,000 | 59,055,000 |