Call reports 2009
SOUTH COAST BANK & TRUST — 2009
What SOUTH COAST BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,582,000 | 27,642,000 | 26,579,000 | 26,731,000 |
| Total loans | 15,605,000 | 15,685,000 | 14,972,000 | 14,902,000 |
| Allowance for loan losses | 259,000 | 266,000 | 296,000 | 250,000 |
| Securities available for sale | 5,611,000 | 5,985,000 | 5,717,000 | 5,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,360,000 | 24,431,000 | 23,271,000 | 23,656,000 |
| Interest-bearing deposits | 21,957,000 | 21,160,000 | 20,231,000 | 20,145,000 |
| Noninterest-bearing deposits | 3,403,000 | 3,271,000 | 3,040,000 | 3,511,000 |
| Equity capital | 3,045,000 | 3,012,000 | 3,135,000 | 2,930,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 608,000 | 915,000 | 1,165,000 |
| Interest expense | 95,000 | 184,000 | 268,000 | 347,000 |
| Net interest income | 217,000 | 424,000 | 647,000 | 818,000 |
| Noninterest income | 42,000 | 84,000 | 124,000 | 164,000 |
| Noninterest expense | 184,000 | 379,000 | 570,000 | 749,000 |
| Provision for loan losses | 39,000 | 94,000 | 123,000 | 321,000 |
| Pretax income | 36,000 | 35,000 | 78,000 | -88,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 36,000 | 35,000 | 78,000 | -88,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,999,000 | 2,998,000 | 3,041,000 | 2,875,000 |
| Total capital | 3,210,000 | 3,206,000 | 3,244,000 | 3,076,000 |
| Risk-weighted assets | 16,847,000 | 16,621,000 | 16,164,000 | 16,222,000 |
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