Call reports 2016
FIRST NATIONAL BANK OF SOUTH MIAMI — 2016
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 615,666,000 | 613,153,000 | 647,455,000 | 624,399,000 |
| Total loans | 317,883,000 | 356,276,000 | 385,268,000 | 428,710,000 |
| Allowance for loan losses | 3,799,000 | 4,186,000 | 4,594,000 | 5,028,000 |
| Securities available for sale | 125,163,000 | 107,378,000 | 81,431,000 | 77,730,000 |
| Securities held to maturity | 81,811,000 | 79,027,000 | 75,057,000 | 70,974,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,823,000 | 493,240,000 | 542,287,000 | 515,688,000 |
| Interest-bearing deposits | 305,234,000 | 298,347,000 | 303,131,000 | 326,129,000 |
| Noninterest-bearing deposits | 190,589,000 | 194,893,000 | 239,156,000 | 189,559,000 |
| Equity capital | 49,975,000 | 50,768,000 | 51,370,000 | 52,308,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,781,000 | 10,060,000 | 15,177,000 | 20,705,000 |
| Interest expense | 449,000 | 892,000 | 1,334,000 | 1,728,000 |
| Net interest income | 4,332,000 | 9,168,000 | 13,843,000 | 18,977,000 |
| Noninterest income | 798,000 | 1,326,000 | 2,036,000 | 2,753,000 |
| Noninterest expense | 3,821,000 | 7,780,000 | 12,018,000 | 16,108,000 |
| Provision for loan losses | 75,000 | 513,000 | 912,000 | 1,397,000 |
| Pretax income | 1,155,000 | 2,097,000 | 2,850,000 | 4,138,000 |
| Income tax | 512,000 | 935,000 | 1,083,000 | 1,350,000 |
| Net income | 643,000 | 1,162,000 | 1,767,000 | 2,788,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,516,000 | 52,035,000 | 52,640,000 | 53,661,000 |
| Total capital | 55,560,000 | 56,430,000 | 57,428,000 | 58,921,000 |
| Risk-weighted assets | 331,406,000 | 362,451,000 | 382,954,000 | 420,618,000 |