Call reports 2002
FIRST COASTAL BANK, NATIONAL ASSOCIATION — 2002
What FIRST COASTAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 128,007,000 | 132,953,000 | 143,340,000 | 142,993,000 |
| Total loans | 94,751,000 | 96,124,000 | 117,703,000 | 117,001,000 |
| Allowance for loan losses | 1,261,000 | 1,259,000 | 1,266,000 | 1,196,000 |
| Securities available for sale | 16,686,000 | 13,940,000 | 12,479,000 | 11,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,140,000 | 118,407,000 | 125,247,000 | 120,960,000 |
| Interest-bearing deposits | 85,851,000 | 85,382,000 | 93,885,000 | 88,063,000 |
| Noninterest-bearing deposits | 27,289,000 | 33,025,000 | 31,363,000 | 32,897,000 |
| Equity capital | 12,434,000 | 13,658,000 | 15,284,000 | 15,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,071,000 | 4,145,000 | 6,293,000 | 8,483,000 |
| Interest expense | 573,000 | 1,129,000 | 1,684,000 | 2,107,000 |
| Net interest income | 1,498,000 | 3,016,000 | 4,609,000 | 6,376,000 |
| Noninterest income | 222,000 | 435,000 | 651,000 | 855,000 |
| Noninterest expense | 1,390,000 | 2,773,000 | 4,206,000 | 5,804,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 328,000 | 707,000 | 1,102,000 | 1,475,000 |
| Income tax | 120,000 | 262,000 | 416,000 | 562,000 |
| Net income | 208,000 | 445,000 | 686,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,660,000 | 8,967,000 | 10,648,000 | 10,796,000 |
| Total capital | 10,169,000 | 10,195,000 | 11,914,000 | 11,992,000 |
| Risk-weighted assets | 96,536,000 | 98,183,000 | 110,764,000 | 110,164,000 |