Call reports 2007
FIRST NATIONAL BANK OF SOUTH MIAMI — 2007
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 298,224,000 | 279,311,000 | 286,299,000 | 286,798,000 |
| Total loans | 85,543,000 | 83,742,000 | 81,279,000 | 103,236,000 |
| Allowance for loan losses | 685,000 | 664,000 | 659,000 | 814,000 |
| Securities available for sale | 124,936,000 | 104,756,000 | 100,583,000 | 111,210,000 |
| Securities held to maturity | 3,100,000 | 17,494,000 | 30,697,000 | 29,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,714,000 | 176,926,000 | 181,892,000 | 180,631,000 |
| Interest-bearing deposits | 126,730,000 | 122,026,000 | 128,179,000 | 124,310,000 |
| Noninterest-bearing deposits | 60,984,000 | 54,900,000 | 53,713,000 | 56,321,000 |
| Equity capital | 31,872,000 | 32,195,000 | 33,153,000 | 34,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,881,000 | 7,826,000 | 11,960,000 | 15,971,000 |
| Interest expense | 1,405,000 | 2,803,000 | 4,239,000 | 5,628,000 |
| Net interest income | 2,476,000 | 5,023,000 | 7,721,000 | 10,343,000 |
| Noninterest income | 453,000 | 891,000 | 1,302,000 | 1,738,000 |
| Noninterest expense | 2,450,000 | 4,730,000 | 7,007,000 | 9,569,000 |
| Provision for loan losses | 28,000 | 75,000 | 98,000 | 295,000 |
| Pretax income | 451,000 | 1,109,000 | 1,918,000 | 2,217,000 |
| Income tax | 169,000 | 413,000 | 712,000 | 240,000 |
| Net income | 282,000 | 696,000 | 1,206,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,045,000 | 32,458,000 | 32,968,000 | 33,739,000 |
| Total capital | 32,804,000 | 33,196,000 | 33,701,000 | 34,619,000 |
| Risk-weighted assets | 132,418,000 | 129,648,000 | 133,648,000 | 152,403,000 |