Call reports 2007
COASTAL BANK OF GEORGIA, THE — 2007
What COASTAL BANK OF GEORGIA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 601,139,000 | 610,496,000 | 607,442,000 | 618,877,000 |
| Total loans | 500,037,000 | 506,738,000 | 498,326,000 | 508,513,000 |
| Allowance for loan losses | 5,875,000 | 5,383,000 | 5,135,000 | 5,451,000 |
| Securities available for sale | 80,004,000 | 80,115,000 | 78,445,000 | 83,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,660,000 | 444,513,000 | 399,905,000 | 463,544,000 |
| Interest-bearing deposits | 428,077,000 | 414,865,000 | 387,140,000 | 445,801,000 |
| Noninterest-bearing deposits | 37,583,000 | 29,648,000 | 12,765,000 | 17,743,000 |
| Equity capital | 49,749,000 | 50,133,000 | 51,491,000 | 52,014,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 10,368,000 | 21,191,000 | 32,239,000 | 43,076,000 |
| Interest expense | 5,297,000 | 10,783,000 | 16,479,000 | 21,851,000 |
| Net interest income | 5,071,000 | 10,408,000 | 15,760,000 | 21,225,000 |
| Noninterest income | 663,000 | 1,384,000 | 2,098,000 | 2,234,000 |
| Noninterest expense | 2,478,000 | 4,867,000 | 7,366,000 | 9,783,000 |
| Provision for loan losses | 350,000 | 494,000 | 300,000 | 1,063,000 |
| Pretax income | 2,906,000 | 6,430,000 | 10,191,000 | 12,612,000 |
| Income tax | 1,098,000 | 2,434,000 | 3,889,000 | 4,771,000 |
| Net income | 1,808,000 | 3,996,000 | 6,302,000 | 7,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,728,000 | 50,617,000 | 51,136,000 | 51,119,000 |
| Total capital | 55,603,000 | 56,001,000 | 56,271,000 | 56,570,000 |
| Risk-weighted assets | 519,791,000 | 539,580,000 | 533,209,000 | 544,307,000 |