Call reports 2009
COASTAL BANK OF GEORGIA, THE — 2009
What COASTAL BANK OF GEORGIA, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 610,103,000 | 614,438,000 | 637,406,000 | 552,066,000 |
| Total loans | 504,678,000 | 512,302,000 | 481,397,000 | 443,277,000 |
| Allowance for loan losses | 10,526,000 | 11,706,000 | 13,498,000 | 10,990,000 |
| Securities available for sale | 83,721,000 | 79,906,000 | 73,328,000 | 60,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,569,000 | 514,603,000 | 534,402,000 | 475,145,000 |
| Interest-bearing deposits | 398,106,000 | 474,515,000 | 497,700,000 | 439,655,000 |
| Noninterest-bearing deposits | 38,463,000 | 40,088,000 | 36,702,000 | 35,490,000 |
| Equity capital | 49,237,000 | 46,699,000 | 44,249,000 | 44,335,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,545,000 | 14,734,000 | 21,557,000 | 28,091,000 |
| Interest expense | 2,251,000 | 4,356,000 | 6,686,000 | 8,785,000 |
| Net interest income | 5,294,000 | 10,378,000 | 14,871,000 | 19,306,000 |
| Noninterest income | -832,000 | -644,000 | -688,000 | -194,000 |
| Noninterest expense | 2,762,000 | 5,763,000 | 8,941,000 | 11,779,000 |
| Provision for loan losses | 4,267,000 | 10,235,000 | 20,801,000 | 35,381,000 |
| Pretax income | -2,567,000 | -6,264,000 | -15,391,000 | -27,880,000 |
| Income tax | -1,021,000 | -2,478,000 | -6,024,000 | -7,067,000 |
| Net income | -1,546,000 | -3,786,000 | -9,367,000 | -20,813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,228,000 | 45,008,000 | 42,632,000 | 42,722,000 |
| Total capital | 53,523,000 | 51,198,000 | 48,673,000 | 48,056,000 |
| Risk-weighted assets | 499,325,000 | 489,678,000 | 476,276,000 | 421,414,000 |