Call reports 2005
SOUTH COAST BANK & TRUST — 2005
What SOUTH COAST BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,560,000 | 25,466,000 | 26,819,000 | 26,571,000 |
| Total loans | 15,100,000 | 15,734,000 | 17,174,000 | 16,824,000 |
| Allowance for loan losses | 128,000 | 137,000 | 149,000 | 136,000 |
| Securities available for sale | 7,411,000 | 6,793,000 | 6,690,000 | 6,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,774,000 | 22,512,000 | 23,825,000 | 23,673,000 |
| Interest-bearing deposits | 18,982,000 | 18,582,000 | 19,938,000 | 19,554,000 |
| Noninterest-bearing deposits | 3,792,000 | 3,930,000 | 3,887,000 | 4,119,000 |
| Equity capital | 2,671,000 | 2,782,000 | 2,779,000 | 2,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 350,000 | 713,000 | 1,094,000 | 1,496,000 |
| Interest expense | 75,000 | 161,000 | 255,000 | 360,000 |
| Net interest income | 275,000 | 552,000 | 839,000 | 1,136,000 |
| Noninterest income | 49,000 | 87,000 | 131,000 | 172,000 |
| Noninterest expense | 212,000 | 421,000 | 639,000 | 942,000 |
| Provision for loan losses | 0 | 6,000 | 12,000 | 42,000 |
| Pretax income | 112,000 | 212,000 | 319,000 | 324,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 112,000 | 212,000 | 319,000 | 324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,720,000 | 2,820,000 | 2,826,000 | 2,831,000 |
| Total capital | 2,848,000 | 2,957,000 | 2,975,000 | 2,967,000 |
| Risk-weighted assets | 16,215,000 | 16,657,000 | 17,993,000 | 17,640,000 |
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