Call reports 2004
FIRST COASTAL BANK, NATIONAL ASSOCIATION — 2004
What FIRST COASTAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 201,080,000 | 208,962,000 | 220,127,000 | 224,664,000 |
| Total loans | 128,129,000 | 128,242,000 | 136,143,000 | 136,275,000 |
| Allowance for loan losses | 1,316,000 | 1,325,000 | 1,305,000 | 1,464,000 |
| Securities available for sale | 57,495,000 | 65,327,000 | 67,100,000 | 73,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,841,000 | 165,214,000 | 170,530,000 | 173,626,000 |
| Interest-bearing deposits | 108,709,000 | 112,338,000 | 117,815,000 | 119,342,000 |
| Noninterest-bearing deposits | 50,132,000 | 52,876,000 | 52,715,000 | 54,284,000 |
| Equity capital | 18,306,000 | 18,224,000 | 18,633,000 | 18,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,368,000 | 4,755,000 | 7,326,000 | 10,046,000 |
| Interest expense | 369,000 | 729,000 | 1,155,000 | 1,658,000 |
| Net interest income | 1,999,000 | 4,026,000 | 6,171,000 | 8,388,000 |
| Noninterest income | 215,000 | 425,000 | 630,000 | 819,000 |
| Noninterest expense | 1,682,000 | 3,330,000 | 5,078,000 | 6,850,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 405,000 |
| Pretax income | 568,000 | 1,157,000 | 1,757,000 | 2,053,000 |
| Income tax | 226,000 | 460,000 | 700,000 | 814,000 |
| Net income | 342,000 | 697,000 | 1,057,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,444,000 | 13,629,000 | 13,873,000 | 13,845,000 |
| Total capital | 14,760,000 | 14,954,000 | 15,178,000 | 16,309,000 |
| Risk-weighted assets | 143,893,000 | 144,811,000 | 149,168,000 | 152,880,000 |