Call reports 2016
COASTAL HERITAGE BANK — 2016
What COASTAL HERITAGE BANK 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 | 485,640,000 | 489,618,000 | 487,486,000 | 491,430,000 |
| Total loans | 377,245,000 | 391,315,000 | 396,356,000 | 407,293,000 |
| Allowance for loan losses | 1,693,000 | 1,805,000 | 1,959,000 | 2,133,000 |
| Securities available for sale | 25,379,000 | 20,731,000 | 17,005,000 | 13,393,000 |
| Securities held to maturity | 42,342,000 | 39,921,000 | 38,214,000 | 36,215,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,497,000 | 404,528,000 | 395,822,000 | 387,184,000 |
| Interest-bearing deposits | 334,036,000 | 327,259,000 | 319,333,000 | 312,402,000 |
| Noninterest-bearing deposits | 73,461,000 | 77,269,000 | 76,489,000 | 74,782,000 |
| Equity capital | 43,961,000 | 44,305,000 | 44,942,000 | 45,390,000 |
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 | 4,361,000 | 8,815,000 | 13,294,000 | 17,799,000 |
| Interest expense | 715,000 | 1,400,000 | 2,055,000 | 2,714,000 |
| Net interest income | 3,646,000 | 7,415,000 | 11,239,000 | 15,085,000 |
| Noninterest income | 500,000 | 1,043,000 | 1,777,000 | 2,234,000 |
| Noninterest expense | 3,723,000 | 7,246,000 | 10,566,000 | 13,817,000 |
| Provision for loan losses | 0 | 189,000 | 341,000 | 501,000 |
| Pretax income | 434,000 | 1,036,000 | 2,126,000 | 3,027,000 |
| Income tax | 103,000 | 305,000 | 690,000 | 1,016,000 |
| Net income | 331,000 | 731,000 | 1,436,000 | 2,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,033,000 | 42,480,000 | 43,226,000 | 44,259,000 |
| Total capital | 43,860,000 | 44,443,000 | 45,354,000 | 46,561,000 |
| Risk-weighted assets | 330,148,000 | 337,294,000 | 341,790,000 | 349,274,000 |