Call reports 2012
FIRST NATIONAL BANK OF SOUTH MIAMI — 2012
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 411,394,000 | 438,712,000 | 464,272,000 | 467,369,000 |
| Total loans | 148,830,000 | 157,848,000 | 149,668,000 | 168,142,000 |
| Allowance for loan losses | 2,470,000 | 2,207,000 | 2,161,000 | 2,526,000 |
| Securities available for sale | 119,035,000 | 134,762,000 | 159,547,000 | 145,689,000 |
| Securities held to maturity | 107,697,000 | 108,003,000 | 121,424,000 | 113,816,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,878,000 | 334,289,000 | 358,792,000 | 367,089,000 |
| Interest-bearing deposits | 224,267,000 | 248,171,000 | 268,680,000 | 268,597,000 |
| Noninterest-bearing deposits | 81,611,000 | 86,118,000 | 90,112,000 | 98,492,000 |
| Equity capital | 36,867,000 | 37,115,000 | 37,280,000 | 37,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,460,000 | 6,783,000 | 10,028,000 | 13,272,000 |
| Interest expense | 494,000 | 1,021,000 | 1,566,000 | 2,092,000 |
| Net interest income | 2,966,000 | 5,762,000 | 8,462,000 | 11,180,000 |
| Noninterest income | 505,000 | 1,069,000 | 1,607,000 | 2,313,000 |
| Noninterest expense | 3,098,000 | 6,342,000 | 9,772,000 | 12,640,000 |
| Provision for loan losses | 225,000 | 300,000 | 218,000 | 620,000 |
| Pretax income | 128,000 | 163,000 | -18,000 | 13,000 |
| Income tax | 51,000 | 57,000 | -6,000 | -143,000 |
| Net income | 77,000 | 106,000 | -12,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,434,000 | 39,459,000 | 39,342,000 | 39,509,000 |
| Total capital | 41,914,000 | 41,797,000 | 41,712,000 | 42,148,000 |
| Risk-weighted assets | 223,499,000 | 232,913,000 | 245,267,000 | 244,843,000 |