Call reports 2002
FIRST NATIONAL BANK OF SOUTH MIAMI — 2002
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 301,255,000 | 295,940,000 | 303,861,000 | 302,797,000 |
| Total loans | 81,300,000 | 81,615,000 | 82,392,000 | 84,332,000 |
| Allowance for loan losses | 1,209,000 | 1,179,000 | 1,144,000 | 1,087,000 |
| Securities available for sale | 84,195,000 | 80,671,000 | 115,631,000 | 85,413,000 |
| Securities held to maturity | 748,000 | 671,000 | 611,000 | 499,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,899,000 | 202,642,000 | 205,027,000 | 210,155,000 |
| Interest-bearing deposits | 161,833,000 | 160,472,000 | 159,685,000 | 164,443,000 |
| Noninterest-bearing deposits | 42,066,000 | 42,170,000 | 45,342,000 | 45,712,000 |
| Equity capital | 34,507,000 | 35,659,000 | 35,982,000 | 36,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,341,000 | 6,593,000 | 9,913,000 | 13,053,000 |
| Interest expense | 1,210,000 | 2,325,000 | 3,344,000 | 4,226,000 |
| Net interest income | 2,131,000 | 4,268,000 | 6,569,000 | 8,827,000 |
| Noninterest income | 444,000 | 930,000 | 1,388,000 | 1,857,000 |
| Noninterest expense | 2,211,000 | 4,219,000 | 6,255,000 | 8,479,000 |
| Provision for loan losses | 85,000 | 190,000 | 315,000 | 450,000 |
| Pretax income | 279,000 | 794,000 | 1,392,000 | 1,760,000 |
| Income tax | 117,000 | 333,000 | 585,000 | 689,000 |
| Net income | 162,000 | 461,000 | 807,000 | 1,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,980,000 | 35,279,000 | 35,625,000 | 35,889,000 |
| Total capital | 36,189,000 | 36,458,000 | 36,769,000 | 36,976,000 |
| Risk-weighted assets | 112,841,000 | 111,417,000 | 106,025,000 | 112,772,000 |