Call reports 2004
FIRST NATIONAL BANK OF SOUTH MIAMI — 2004
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 302,440,000 | 315,239,000 | 320,563,000 | 299,489,000 |
| Total loans | 83,146,000 | 81,004,000 | 80,250,000 | 77,752,000 |
| Allowance for loan losses | 1,028,000 | 1,011,000 | 981,000 | 937,000 |
| Securities available for sale | 65,078,000 | 96,741,000 | 116,484,000 | 165,791,000 |
| Securities held to maturity | 188,000 | 180,000 | 1,061,000 | 982,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,625,000 | 228,773,000 | 234,397,000 | 210,707,000 |
| Interest-bearing deposits | 163,888,000 | 166,765,000 | 164,522,000 | 158,293,000 |
| Noninterest-bearing deposits | 46,737,000 | 62,008,000 | 69,875,000 | 52,414,000 |
| Equity capital | 35,464,000 | 29,348,000 | 29,962,000 | 29,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,220,000 | 4,439,000 | 6,874,000 | 9,477,000 |
| Interest expense | 497,000 | 973,000 | 1,484,000 | 2,013,000 |
| Net interest income | 1,723,000 | 3,466,000 | 5,390,000 | 7,464,000 |
| Noninterest income | 433,000 | 864,000 | 1,367,000 | 1,801,000 |
| Noninterest expense | 2,296,000 | 4,533,000 | 6,696,000 | 8,690,000 |
| Provision for loan losses | 175,000 | 285,000 | 277,000 | 402,000 |
| Pretax income | -315,000 | -488,000 | -216,000 | 173,000 |
| Income tax | -69,000 | -137,000 | -29,000 | 90,000 |
| Net income | -246,000 | -351,000 | -187,000 | 83,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,422,000 | 30,117,000 | 30,281,000 | 30,551,000 |
| Total capital | 36,450,000 | 31,128,000 | 31,262,000 | 31,488,000 |
| Risk-weighted assets | 123,658,000 | 126,660,000 | 124,692,000 | 119,542,000 |