Call reports 2020
FIRST NATIONAL BANK OF SOUTH MIAMI — 2020
What FIRST NATIONAL BANK OF SOUTH MIAMI reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 807,430,000 | 836,749,000 | 836,623,000 | 841,891,000 |
| Total loans | 555,226,000 | 645,893,000 | 623,740,000 | 613,342,000 |
| Allowance for loan losses | 8,204,000 | 8,465,000 | 8,174,000 | 8,046,000 |
| Securities available for sale | 39,571,000 | 33,130,000 | 41,156,000 | 43,201,000 |
| Securities held to maturity | 33,652,000 | 31,762,000 | 29,619,000 | 27,723,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 696,300,000 | 718,500,000 | 714,651,000 | 724,223,000 |
| Interest-bearing deposits | 527,327,000 | 518,006,000 | 515,071,000 | 529,912,000 |
| Noninterest-bearing deposits | 168,973,000 | 200,494,000 | 199,580,000 | 194,311,000 |
| Equity capital | 78,180,000 | 80,101,000 | 81,284,000 | 82,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 7,931,000 | 16,325,000 | 23,490,000 | 30,489,000 |
| Interest expense | 2,121,000 | 3,315,000 | 4,284,000 | 5,257,000 |
| Net interest income | 5,810,000 | 13,010,000 | 19,206,000 | 25,232,000 |
| Noninterest income | 817,000 | 1,530,000 | 2,305,000 | 3,175,000 |
| Noninterest expense | 5,208,000 | 10,404,000 | 15,755,000 | 21,690,000 |
| Provision for loan losses | 746,000 | 1,014,000 | 939,000 | 925,000 |
| Pretax income | 599,000 | 3,019,000 | 4,690,000 | 5,653,000 |
| Income tax | 161,000 | 814,000 | 1,250,000 | 1,005,000 |
| Net income | 438,000 | 2,205,000 | 3,440,000 | 4,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,219,000 | 80,986,000 | 82,220,000 | 83,428,000 |
| Total capital | 86,116,000 | 88,058,000 | 88,934,000 | 90,060,000 |
| Risk-weighted assets | 550,019,000 | 564,131,000 | 535,464,000 | 528,978,000 |