Call reports 2015
SOUTHWIND BANK — 2015
What SOUTHWIND BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 126,273,000 | 122,681,000 | 118,813,000 | 120,717,000 |
| Total loans | 42,657,000 | 45,229,000 | 45,650,000 | 45,733,000 |
| Allowance for loan losses | 720,000 | 705,000 | 715,000 | 723,000 |
| Securities available for sale | 70,422,000 | 65,287,000 | 65,588,000 | 68,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,095,000 | 111,678,000 | 107,422,000 | 109,178,000 |
| Interest-bearing deposits | 85,497,000 | 83,124,000 | 80,406,000 | 81,059,000 |
| Noninterest-bearing deposits | 29,598,000 | 28,554,000 | 27,016,000 | 28,119,000 |
| Equity capital | 10,615,000 | 10,579,000 | 10,800,000 | 11,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 921,000 | 1,838,000 | 2,781,000 | 3,700,000 |
| Interest expense | 73,000 | 145,000 | 214,000 | 279,000 |
| Net interest income | 848,000 | 1,693,000 | 2,567,000 | 3,421,000 |
| Noninterest income | 38,000 | 74,000 | 120,000 | 194,000 |
| Noninterest expense | 553,000 | 1,103,000 | 1,640,000 | 2,276,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 327,000 | 642,000 | 1,019,000 | 1,305,000 |
| Income tax | 49,000 | 93,000 | 156,000 | 45,000 |
| Net income | 278,000 | 549,000 | 863,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,072,000 | 10,343,000 | 10,457,000 | 10,854,000 |
| Total capital | 10,792,000 | 11,048,000 | 11,172,000 | 11,577,000 |
| Risk-weighted assets | 71,863,000 | 72,976,000 | 70,943,000 | 70,251,000 |