Call reports 2019
SOUTHWIND BANK — 2019
What SOUTHWIND BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 124,780,000 | 129,348,000 | 130,128,000 | 131,657,000 |
| Total loans | 59,476,000 | 61,697,000 | 60,619,000 | 60,132,000 |
| Allowance for loan losses | 905,000 | 924,000 | 944,000 | 960,000 |
| Securities available for sale | 57,772,000 | 56,906,000 | 54,683,000 | 61,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,484,000 | 115,089,000 | 115,244,000 | 116,634,000 |
| Interest-bearing deposits | 78,297,000 | 82,371,000 | 81,634,000 | 79,582,000 |
| Noninterest-bearing deposits | 33,187,000 | 32,718,000 | 33,610,000 | 37,052,000 |
| Equity capital | 13,001,000 | 13,713,000 | 14,138,000 | 14,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,146,000 | 2,345,000 | 3,561,000 | 4,758,000 |
| Interest expense | 135,000 | 302,000 | 473,000 | 641,000 |
| Net interest income | 1,011,000 | 2,043,000 | 3,088,000 | 4,117,000 |
| Noninterest income | 48,000 | 125,000 | 177,000 | 246,000 |
| Noninterest expense | 660,000 | 1,265,000 | 1,889,000 | 2,606,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 100,000 |
| Pretax income | 370,000 | 844,000 | 1,319,000 | 1,722,000 |
| Income tax | 56,000 | 139,000 | 224,000 | 301,000 |
| Net income | 314,000 | 705,000 | 1,095,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,842,000 | 13,033,000 | 13,224,000 | 13,550,000 |
| Total capital | 13,747,000 | 13,957,000 | 14,168,000 | 14,510,000 |
| Risk-weighted assets | 80,256,000 | 84,940,000 | 87,951,000 | 84,104,000 |