Call reports 2005
FIRST NATIONAL BANK OF SOUTH MIAMI — 2005
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 299,933,000 | 289,751,000 | 294,574,000 | 290,674,000 |
| Total loans | 76,057,000 | 73,169,000 | 76,883,000 | 80,635,000 |
| Allowance for loan losses | 897,000 | 888,000 | 805,000 | 850,000 |
| Securities available for sale | 164,473,000 | 170,104,000 | 164,614,000 | 139,707,000 |
| Securities held to maturity | 815,000 | 799,000 | 787,000 | 763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,509,000 | 199,904,000 | 199,713,000 | 195,010,000 |
| Interest-bearing deposits | 156,925,000 | 144,018,000 | 143,985,000 | 143,640,000 |
| Noninterest-bearing deposits | 57,584,000 | 55,886,000 | 55,728,000 | 51,370,000 |
| Equity capital | 29,283,000 | 29,842,000 | 29,654,000 | 29,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,580,000 | 5,184,000 | 7,849,000 | 10,767,000 |
| Interest expense | 549,000 | 1,185,000 | 2,015,000 | 2,956,000 |
| Net interest income | 2,031,000 | 3,999,000 | 5,834,000 | 7,811,000 |
| Noninterest income | 492,000 | 910,000 | 1,326,000 | 1,774,000 |
| Noninterest expense | 1,990,000 | 3,965,000 | 5,916,000 | 7,933,000 |
| Provision for loan losses | 115,000 | 248,000 | 374,000 | 684,000 |
| Pretax income | 418,000 | 696,000 | 870,000 | 968,000 |
| Income tax | 157,000 | 258,000 | 323,000 | 410,000 |
| Net income | 261,000 | 438,000 | 547,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,812,000 | 30,989,000 | 30,121,000 | 30,470,000 |
| Total capital | 31,709,000 | 31,877,000 | 30,926,000 | 31,320,000 |
| Risk-weighted assets | 119,853,000 | 116,897,000 | 118,966,000 | 122,988,000 |