Call reports 2016
SOUTHWIND BANK — 2016
What SOUTHWIND BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 118,690,000 | 117,992,000 | 116,192,000 | 114,458,000 |
| Total loans | 47,449,000 | 48,852,000 | 51,098,000 | 50,145,000 |
| Allowance for loan losses | 739,000 | 687,000 | 707,000 | 714,000 |
| Securities available for sale | 68,219,000 | 64,402,000 | 62,227,000 | 59,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,314,000 | 104,264,000 | 101,727,000 | 102,953,000 |
| Interest-bearing deposits | 77,848,000 | 77,116,000 | 74,418,000 | 75,027,000 |
| Noninterest-bearing deposits | 27,466,000 | 27,148,000 | 27,309,000 | 27,926,000 |
| Equity capital | 11,712,000 | 12,099,000 | 12,098,000 | 11,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 945,000 | 1,914,000 | 2,912,000 | 3,889,000 |
| Interest expense | 63,000 | 126,000 | 189,000 | 247,000 |
| Net interest income | 882,000 | 1,788,000 | 2,723,000 | 3,642,000 |
| Noninterest income | 66,000 | 121,000 | 185,000 | 269,000 |
| Noninterest expense | 576,000 | 1,176,000 | 1,745,000 | 2,496,000 |
| Provision for loan losses | 12,000 | 24,000 | 54,000 | 84,000 |
| Pretax income | 387,000 | 734,000 | 1,134,000 | 1,356,000 |
| Income tax | 61,000 | 106,000 | 170,000 | 143,000 |
| Net income | 326,000 | 628,000 | 964,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,030,000 | 11,162,000 | 11,247,000 | 11,497,000 |
| Total capital | 11,769,000 | 11,849,000 | 11,954,000 | 12,211,000 |
| Risk-weighted assets | 68,500,000 | 69,930,000 | 70,154,000 | 70,838,000 |