Call reports 2013
FIRST NATIONAL BANK OF SOUTH MIAMI — 2013
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 497,014,000 | 507,313,000 | 499,269,000 | 521,586,000 |
| Total loans | 172,088,000 | 191,384,000 | 199,257,000 | 210,239,000 |
| Allowance for loan losses | 2,134,000 | 1,879,000 | 2,016,000 | 2,303,000 |
| Securities available for sale | 156,857,000 | 158,855,000 | 122,021,000 | 144,065,000 |
| Securities held to maturity | 108,230,000 | 117,425,000 | 111,432,000 | 107,811,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 391,809,000 | 411,391,000 | 400,434,000 | 422,729,000 |
| Interest-bearing deposits | 285,019,000 | 293,040,000 | 280,403,000 | 292,350,000 |
| Noninterest-bearing deposits | 106,790,000 | 118,351,000 | 120,031,000 | 130,379,000 |
| Equity capital | 37,390,000 | 33,866,000 | 36,402,000 | 36,089,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,249,000 | 6,780,000 | 10,513,000 | 14,400,000 |
| Interest expense | 504,000 | 993,000 | 1,452,000 | 1,909,000 |
| Net interest income | 2,745,000 | 5,787,000 | 9,061,000 | 12,491,000 |
| Noninterest income | 626,000 | 1,210,000 | 1,836,000 | 2,289,000 |
| Noninterest expense | 3,632,000 | 6,872,000 | 9,864,000 | 12,793,000 |
| Provision for loan losses | -870,000 | -870,000 | -735,000 | -455,000 |
| Pretax income | 317,000 | 595,000 | 1,041,000 | 1,358,000 |
| Income tax | 111,000 | 208,000 | 382,000 | 479,000 |
| Net income | 206,000 | 387,000 | 659,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,716,000 | 38,247,000 | 41,019,000 | 41,743,000 |
| Total capital | 41,987,000 | 40,263,000 | 43,172,000 | 44,183,000 |
| Risk-weighted assets | 250,974,000 | 274,023,000 | 271,563,000 | 278,594,000 |