Call reports 2006
FIRST NATIONAL BANK OF SOUTH MIAMI — 2006
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 303,311,000 | 291,184,000 | 299,938,000 | 296,569,000 |
| Total loans | 77,599,000 | 81,953,000 | 85,024,000 | 89,447,000 |
| Allowance for loan losses | 776,000 | 745,000 | 782,000 | 762,000 |
| Securities available for sale | 142,838,000 | 153,086,000 | 144,108,000 | 124,621,000 |
| Securities held to maturity | 761,000 | 758,000 | 751,000 | 1,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,238,000 | 188,727,000 | 190,854,000 | 187,240,000 |
| Interest-bearing deposits | 140,782,000 | 130,229,000 | 133,945,000 | 128,991,000 |
| Noninterest-bearing deposits | 65,456,000 | 58,498,000 | 56,909,000 | 58,249,000 |
| Equity capital | 29,952,000 | 30,314,000 | 31,165,000 | 31,402,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,043,000 | 6,404,000 | 9,895,000 | 13,648,000 |
| Interest expense | 1,032,000 | 2,220,000 | 3,605,000 | 5,014,000 |
| Net interest income | 2,011,000 | 4,184,000 | 6,290,000 | 8,634,000 |
| Noninterest income | 594,000 | 986,000 | 1,409,000 | 1,798,000 |
| Noninterest expense | 2,165,000 | 4,301,000 | 6,342,000 | 8,930,000 |
| Provision for loan losses | 200,000 | 305,000 | 405,000 | 453,000 |
| Pretax income | 240,000 | 564,000 | 952,000 | 1,049,000 |
| Income tax | 88,000 | 210,000 | 355,000 | 394,000 |
| Net income | 152,000 | 354,000 | 597,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,622,000 | 31,462,000 | 31,703,000 | 31,762,000 |
| Total capital | 31,398,000 | 32,250,000 | 32,529,000 | 32,576,000 |
| Risk-weighted assets | 124,353,000 | 124,727,000 | 132,560,000 | 136,720,000 |