Call reports 2012
SOUTH COAST BANK & TRUST — 2012
What SOUTH COAST BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 30,118,000 | 29,085,000 | 28,182,000 | 27,492,000 |
| Total loans | 10,657,000 | 10,546,000 | 10,232,000 | 10,156,000 |
| Allowance for loan losses | 278,000 | 375,000 | 186,000 | 197,000 |
| Securities available for sale | 8,759,000 | 8,669,000 | 8,922,000 | 8,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,590,000 | 26,454,000 | 25,601,000 | 24,920,000 |
| Interest-bearing deposits | 23,035,000 | 22,038,000 | 21,589,000 | 21,415,000 |
| Noninterest-bearing deposits | 4,555,000 | 4,416,000 | 4,012,000 | 3,505,000 |
| Equity capital | 2,465,000 | 2,561,000 | 2,501,000 | 2,502,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 213,000 | 422,000 | 633,000 | 837,000 |
| Interest expense | 27,000 | 52,000 | 75,000 | 96,000 |
| Net interest income | 186,000 | 370,000 | 558,000 | 741,000 |
| Noninterest income | 40,000 | 73,000 | -90,000 | -58,000 |
| Noninterest expense | 432,000 | 619,000 | 604,000 | 799,000 |
| Provision for loan losses | 59,000 | 59,000 | 183,000 | 183,000 |
| Pretax income | -265,000 | -235,000 | -319,000 | -299,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -265,000 | -235,000 | -319,000 | -299,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,390,000 | 2,420,000 | 2,336,000 | 2,356,000 |
| Total capital | 2,538,000 | 2,568,000 | 2,484,000 | 2,501,000 |
| Risk-weighted assets | 11,705,000 | 11,588,000 | 11,779,000 | 11,579,000 |