Call reports 2009
FIRST NATIONAL BANK OF SOUTH MIAMI — 2009
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 304,260,000 | 304,260,000 | 336,561,000 | 337,895,000 |
| Total loans | 118,868,000 | 130,765,000 | 134,928,000 | 132,441,000 |
| Allowance for loan losses | 1,751,000 | 2,204,000 | 3,107,000 | 2,218,000 |
| Securities available for sale | 115,137,000 | 88,595,000 | 119,758,000 | 110,338,000 |
| Securities held to maturity | 55,898,000 | 52,390,000 | 49,071,000 | 53,772,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,235,000 | 206,236,000 | 237,237,000 | 246,733,000 |
| Interest-bearing deposits | 145,313,000 | 154,332,000 | 166,517,000 | 173,658,000 |
| Noninterest-bearing deposits | 52,922,000 | 51,904,000 | 70,720,000 | 73,075,000 |
| Equity capital | 34,119,000 | 33,560,000 | 32,981,000 | 25,005,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,259,000 | 6,588,000 | 9,784,000 | 12,781,000 |
| Interest expense | 886,000 | 1,775,000 | 2,717,000 | 3,623,000 |
| Net interest income | 2,373,000 | 4,813,000 | 7,067,000 | 9,158,000 |
| Noninterest income | 446,000 | 884,000 | 1,391,000 | 1,838,000 |
| Noninterest expense | 2,670,000 | 5,340,000 | 8,363,000 | 11,585,000 |
| Provision for loan losses | 785,000 | 1,397,000 | 3,082,000 | 5,572,000 |
| Pretax income | -636,000 | -1,040,000 | -2,987,000 | -6,653,000 |
| Income tax | -267,000 | -473,000 | -1,292,000 | -1,617,000 |
| Net income | -369,000 | -567,000 | -1,695,000 | -5,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,776,000 | 33,579,000 | 32,448,000 | 27,412,000 |
| Total capital | 35,629,000 | 35,721,000 | 34,755,000 | 29,656,000 |
| Risk-weighted assets | 204,115,000 | 211,689,000 | 217,630,000 | 209,080,000 |