Call reports 2004
COASTAL BANK OF GEORGIA, THE — 2004
What COASTAL BANK OF GEORGIA, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 408,528,000 | 406,924,000 | 435,604,000 | 457,983,000 |
| Total loans | 330,815,000 | 346,366,000 | 371,180,000 | 386,392,000 |
| Allowance for loan losses | 4,160,000 | 4,117,000 | 4,486,000 | 4,806,000 |
| Securities available for sale | 60,754,000 | 37,878,000 | 41,492,000 | 43,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,451,000 | 280,872,000 | 287,258,000 | 300,773,000 |
| Interest-bearing deposits | 253,960,000 | 239,567,000 | 240,916,000 | 247,657,000 |
| Noninterest-bearing deposits | 38,491,000 | 41,305,000 | 46,342,000 | 53,116,000 |
| Equity capital | 32,230,000 | 32,168,000 | 35,155,000 | 35,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,145,000 | 10,304,000 | 15,893,000 | 21,692,000 |
| Interest expense | 1,523,000 | 2,966,000 | 4,415,000 | 6,061,000 |
| Net interest income | 3,622,000 | 7,338,000 | 11,478,000 | 15,631,000 |
| Noninterest income | 559,000 | 1,212,000 | 1,833,000 | 2,469,000 |
| Noninterest expense | 1,876,000 | 3,788,000 | 5,717,000 | 7,550,000 |
| Provision for loan losses | 255,000 | 520,000 | 915,000 | 1,350,000 |
| Pretax income | 2,050,000 | 4,242,000 | 6,679,000 | 9,200,000 |
| Income tax | 776,000 | 1,607,000 | 2,529,000 | 3,489,000 |
| Net income | 1,274,000 | 2,635,000 | 4,150,000 | 5,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,972,000 | 32,415,000 | 35,030,000 | 35,563,000 |
| Total capital | 36,132,000 | 36,532,000 | 39,516,000 | 40,369,000 |
| Risk-weighted assets | 340,845,000 | 357,209,000 | 380,837,000 | 395,566,000 |