Call reports 2003
FIRST NATIONAL BANK OF SOUTH MIAMI — 2003
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 311,291,000 | 305,755,000 | 305,780,000 | 317,680,000 |
| Total loans | 84,426,000 | 80,315,000 | 84,953,000 | 82,604,000 |
| Allowance for loan losses | 1,064,000 | 1,019,000 | 1,075,000 | 1,044,000 |
| Securities available for sale | 70,134,000 | 40,068,000 | 59,843,000 | 69,829,000 |
| Securities held to maturity | 453,000 | 35,414,000 | 10,234,000 | 208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,796,000 | 215,665,000 | 214,636,000 | 230,773,000 |
| Interest-bearing deposits | 172,278,000 | 168,674,000 | 165,627,000 | 166,033,000 |
| Noninterest-bearing deposits | 44,518,000 | 46,991,000 | 49,009,000 | 64,740,000 |
| Equity capital | 36,045,000 | 35,918,000 | 35,666,000 | 35,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,235,000 | 7,498,000 | 9,815,000 |
| Interest expense | 809,000 | 1,547,000 | 2,091,000 | 2,599,000 |
| Net interest income | 1,994,000 | 3,688,000 | 5,407,000 | 7,216,000 |
| Noninterest income | 471,000 | 922,000 | 1,348,000 | 1,783,000 |
| Noninterest expense | 2,182,000 | 4,352,000 | 6,441,000 | 8,620,000 |
| Provision for loan losses | 190,000 | 310,000 | 545,000 | 745,000 |
| Pretax income | 93,000 | -49,000 | -228,000 | -363,000 |
| Income tax | 39,000 | -20,000 | -96,000 | -142,000 |
| Net income | 54,000 | -29,000 | -132,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,943,000 | 35,860,000 | 35,757,000 | 35,668,000 |
| Total capital | 37,007,000 | 36,879,000 | 36,832,000 | 36,712,000 |
| Risk-weighted assets | 131,683,000 | 125,235,000 | 125,926,000 | 126,712,000 |