Call reports 2005
FIRST COASTAL BANK, NATIONAL ASSOCIATION — 2005
What FIRST COASTAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 239,438,000 | 233,445,000 | 248,966,000 | 251,310,000 |
| Total loans | 143,284,000 | 137,179,000 | 152,961,000 | 149,709,000 |
| Allowance for loan losses | 1,522,000 | 1,323,000 | 1,495,000 | 1,450,000 |
| Securities available for sale | 76,991,000 | 78,614,000 | 75,160,000 | 83,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,228,000 | 194,486,000 | 195,186,000 | 182,828,000 |
| Interest-bearing deposits | 131,995,000 | 133,778,000 | 135,020,000 | 126,542,000 |
| Noninterest-bearing deposits | 61,232,000 | 60,708,000 | 60,166,000 | 56,286,000 |
| Equity capital | 18,670,000 | 18,969,000 | 19,122,000 | 21,881,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,956,000 | 6,074,000 | 9,532,000 | 13,183,000 |
| Interest expense | 681,000 | 1,448,000 | 2,413,000 | 3,563,000 |
| Net interest income | 2,275,000 | 4,626,000 | 7,119,000 | 9,620,000 |
| Noninterest income | 166,000 | 296,000 | 547,000 | 779,000 |
| Noninterest expense | 2,060,000 | 3,949,000 | 5,889,000 | 7,918,000 |
| Provision for loan losses | 50,000 | 50,000 | 217,000 | 217,000 |
| Pretax income | 625,000 | 1,258,000 | 1,928,000 | 2,632,000 |
| Income tax | 248,000 | 501,000 | 769,000 | 1,097,000 |
| Net income | 377,000 | 757,000 | 1,159,000 | 1,535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,967,000 | 14,213,000 | 14,456,000 | 17,305,000 |
| Total capital | 16,489,000 | 16,536,000 | 17,951,000 | 23,755,000 |
| Risk-weighted assets | 159,915,000 | 158,841,000 | 173,762,000 | 174,218,000 |