Call reports 2005
COASTAL BANK OF GEORGIA, THE — 2005
What COASTAL BANK OF GEORGIA, THE 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 | 484,031,000 | 492,434,000 | 508,129,000 | 525,478,000 |
| Total loans | 386,693,000 | 401,480,000 | 418,177,000 | 423,300,000 |
| Allowance for loan losses | 4,820,000 | 5,116,000 | 5,395,000 | 5,609,000 |
| Securities available for sale | 78,282,000 | 73,768,000 | 67,965,000 | 70,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,742,000 | 337,777,000 | 311,947,000 | 326,346,000 |
| Interest-bearing deposits | 287,372,000 | 281,150,000 | 259,708,000 | 290,629,000 |
| Noninterest-bearing deposits | 53,370,000 | 56,627,000 | 52,239,000 | 35,717,000 |
| Equity capital | 36,339,000 | 38,128,000 | 40,083,000 | 40,817,000 |
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 | 6,257,000 | 12,986,000 | 20,421,000 | 28,180,000 |
| Interest expense | 2,092,000 | 4,407,000 | 7,146,000 | 10,441,000 |
| Net interest income | 4,165,000 | 8,579,000 | 13,275,000 | 17,739,000 |
| Noninterest income | 622,000 | 1,206,000 | 1,838,000 | 2,426,000 |
| Noninterest expense | 1,823,000 | 3,603,000 | 5,545,000 | 7,496,000 |
| Provision for loan losses | 126,000 | 501,000 | 751,000 | 1,075,000 |
| Pretax income | 2,838,000 | 5,681,000 | 8,817,000 | 11,594,000 |
| Income tax | 1,075,000 | 2,161,000 | 3,357,000 | 4,411,000 |
| Net income | 1,763,000 | 3,520,000 | 5,460,000 | 7,183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,858,000 | 38,403,000 | 40,565,000 | 41,398,000 |
| Total capital | 41,678,000 | 43,519,000 | 45,960,000 | 47,007,000 |
| Risk-weighted assets | 411,890,000 | 431,023,000 | 449,955,000 | 464,122,000 |