Call reports 2007
SOUTH COAST BANK & TRUST — 2007
What SOUTH COAST BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,449,000 | 26,979,000 | 26,614,000 | 25,802,000 |
| Total loans | 15,704,000 | 15,159,000 | 15,907,000 | 16,477,000 |
| Allowance for loan losses | 136,000 | 142,000 | 159,000 | 140,000 |
| Securities available for sale | 4,792,000 | 6,332,000 | 7,148,000 | 6,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,225,000 | 23,667,000 | 23,295,000 | 22,442,000 |
| Interest-bearing deposits | 21,066,000 | 20,436,000 | 20,120,000 | 19,138,000 |
| Noninterest-bearing deposits | 4,159,000 | 3,231,000 | 3,175,000 | 3,304,000 |
| Equity capital | 2,972,000 | 2,954,000 | 2,970,000 | 3,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 462,000 | 918,000 | 1,372,000 | 1,817,000 |
| Interest expense | 155,000 | 314,000 | 476,000 | 641,000 |
| Net interest income | 307,000 | 604,000 | 896,000 | 1,176,000 |
| Noninterest income | 35,000 | 69,000 | 112,000 | 160,000 |
| Noninterest expense | 221,000 | 444,000 | 687,000 | 952,000 |
| Provision for loan losses | 4,000 | 9,000 | 13,000 | 18,000 |
| Pretax income | 117,000 | 220,000 | 308,000 | 376,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 117,000 | 220,000 | 308,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,000,000 | 3,009,000 | 2,966,000 | 3,034,000 |
| Total capital | 3,136,000 | 3,151,000 | 3,125,000 | 3,174,000 |
| Risk-weighted assets | 17,757,000 | 17,119,000 | 17,791,000 | 17,641,000 |
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