Call reports 2015
FIRST NATIONAL BANK OF SOUTH MIAMI — 2015
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 610,659,000 | 594,940,000 | 612,302,000 | 596,280,000 |
| Total loans | 248,038,000 | 271,897,000 | 270,317,000 | 305,048,000 |
| Allowance for loan losses | 2,848,000 | 2,989,000 | 3,127,000 | 3,618,000 |
| Securities available for sale | 143,983,000 | 160,169,000 | 172,759,000 | 151,652,000 |
| Securities held to maturity | 98,072,000 | 93,234,000 | 89,208,000 | 84,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,734,000 | 481,168,000 | 498,889,000 | 476,162,000 |
| Interest-bearing deposits | 308,655,000 | 298,699,000 | 298,453,000 | 300,765,000 |
| Noninterest-bearing deposits | 181,079,000 | 182,469,000 | 200,436,000 | 175,397,000 |
| Equity capital | 47,052,000 | 47,173,000 | 48,664,000 | 48,602,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,148,000 | 8,316,000 | 12,769,000 | 17,464,000 |
| Interest expense | 445,000 | 880,000 | 1,309,000 | 1,732,000 |
| Net interest income | 3,703,000 | 7,436,000 | 11,460,000 | 15,732,000 |
| Noninterest income | 652,000 | 1,346,000 | 2,025,000 | 2,608,000 |
| Noninterest expense | 3,385,000 | 6,674,000 | 10,031,000 | 13,415,000 |
| Provision for loan losses | 96,000 | 236,000 | 369,000 | 857,000 |
| Pretax income | 864,000 | 1,787,000 | 2,911,000 | 3,888,000 |
| Income tax | 337,000 | 697,000 | 1,135,000 | 1,550,000 |
| Net income | 527,000 | 1,090,000 | 1,776,000 | 2,338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,061,000 | 49,624,000 | 50,311,000 | 50,873,000 |
| Total capital | 52,052,000 | 52,727,000 | 53,568,000 | 54,615,000 |
| Risk-weighted assets | 282,760,000 | 305,163,000 | 302,372,000 | 328,180,000 |