Call reports 2004
COASTAL BANK, THE — 2004
What COASTAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 241,771,000 | 250,893,000 | 253,158,000 | 262,399,000 |
| Total loans | 208,059,000 | 207,826,000 | 222,888,000 | 232,932,000 |
| Allowance for loan losses | 2,703,000 | 2,915,000 | 2,876,000 | 2,727,000 |
| Securities available for sale | 10,937,000 | 10,364,000 | 8,717,000 | 7,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,881,000 | 207,790,000 | 209,284,000 | 212,883,000 |
| Interest-bearing deposits | 167,187,000 | 182,410,000 | 183,526,000 | 183,828,000 |
| Noninterest-bearing deposits | 26,694,000 | 25,380,000 | 25,758,000 | 29,055,000 |
| Equity capital | 20,946,000 | 21,142,000 | 21,998,000 | 22,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,170,000 | 6,421,000 | 9,957,000 | 13,869,000 |
| Interest expense | 1,064,000 | 2,148,000 | 3,310,000 | 4,567,000 |
| Net interest income | 2,106,000 | 4,273,000 | 6,647,000 | 9,302,000 |
| Noninterest income | 519,000 | 1,123,000 | 1,719,000 | 2,335,000 |
| Noninterest expense | 1,944,000 | 4,208,000 | 6,409,000 | 8,886,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 127,000 |
| Pretax income | 681,000 | 1,138,000 | 1,857,000 | 2,624,000 |
| Income tax | 243,000 | 375,000 | 608,000 | 839,000 |
| Net income | 438,000 | 763,000 | 1,249,000 | 1,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,757,000 | 21,058,000 | 21,844,000 | 22,580,000 |
| Total capital | 23,460,000 | 23,838,000 | 24,720,000 | 25,307,000 |
| Risk-weighted assets | 219,909,000 | 222,268,000 | 233,103,000 | 243,417,000 |
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