Call reports 2006
COASTAL BANK OF GEORGIA, THE — 2006
What COASTAL BANK OF GEORGIA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 527,008,000 | 554,721,000 | 564,595,000 | 581,491,000 |
| Total loans | 439,545,000 | 450,150,000 | 459,219,000 | 479,766,000 |
| Allowance for loan losses | 5,667,000 | 5,791,000 | 5,839,000 | 5,578,000 |
| Securities available for sale | 67,040,000 | 69,612,000 | 74,648,000 | 76,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 418,011,000 | 441,735,000 | 417,854,000 | 431,858,000 |
| Interest-bearing deposits | 384,940,000 | 402,422,000 | 382,480,000 | 398,851,000 |
| Noninterest-bearing deposits | 33,071,000 | 39,313,000 | 35,374,000 | 33,007,000 |
| Equity capital | 42,800,000 | 44,543,000 | 46,369,000 | 47,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,246,000 | 17,203,000 | 26,693,000 | 36,660,000 |
| Interest expense | 3,801,000 | 7,972,000 | 12,479,000 | 17,502,000 |
| Net interest income | 4,445,000 | 9,231,000 | 14,214,000 | 19,158,000 |
| Noninterest income | 535,000 | 1,349,000 | 2,012,000 | 2,734,000 |
| Noninterest expense | 2,096,000 | 4,596,000 | 6,905,000 | 9,309,000 |
| Provision for loan losses | 50,000 | 100,000 | 100,000 | -50,000 |
| Pretax income | 2,834,000 | 5,884,000 | 9,221,000 | 12,633,000 |
| Income tax | 1,084,000 | 2,212,000 | 3,453,000 | 4,748,000 |
| Net income | 1,750,000 | 3,672,000 | 5,768,000 | 7,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,551,000 | 45,501,000 | 46,650,000 | 47,841,000 |
| Total capital | 49,218,000 | 51,292,000 | 52,489,000 | 53,419,000 |
| Risk-weighted assets | 482,176,000 | 500,385,000 | 503,017,000 | 525,907,000 |