Call reports 2006
FIRST COASTAL BANK, NATIONAL ASSOCIATION — 2006
What FIRST COASTAL BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 270,804,000 | 248,583,000 | 245,319,000 | 237,742,000 |
| Total loans | 149,662,000 | 153,744,000 | 156,759,000 | 156,773,000 |
| Allowance for loan losses | 1,459,000 | 1,461,000 | 1,407,000 | 1,408,000 |
| Securities available for sale | 101,233,000 | 74,684,000 | 70,214,000 | 65,925,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,793,000 | 196,257,000 | 188,514,000 | 190,362,000 |
| Interest-bearing deposits | 145,051,000 | 136,186,000 | 133,460,000 | 137,209,000 |
| Noninterest-bearing deposits | 58,742,000 | 60,071,000 | 55,054,000 | 53,153,000 |
| Equity capital | 19,127,000 | 19,075,000 | 19,317,000 | 19,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,848,000 | 8,052,000 | 12,156,000 | 16,093,000 |
| Interest expense | 1,452,000 | 3,209,000 | 4,899,000 | 6,546,000 |
| Net interest income | 2,396,000 | 4,843,000 | 7,257,000 | 9,547,000 |
| Noninterest income | 261,000 | 400,000 | 527,000 | 740,000 |
| Noninterest expense | 1,976,000 | 3,921,000 | 5,829,000 | 7,698,000 |
| Provision for loan losses | 10,000 | 10,000 | 110,000 | 110,000 |
| Pretax income | 685,000 | 1,373,000 | 1,884,000 | 2,518,000 |
| Income tax | 278,000 | 552,000 | 752,000 | 1,003,000 |
| Net income | 407,000 | 821,000 | 1,132,000 | 1,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,617,000 | 14,757,000 | 14,789,000 | 15,028,000 |
| Total capital | 21,076,000 | 21,218,000 | 21,196,000 | 21,436,000 |
| Risk-weighted assets | 177,914,000 | 177,346,000 | 176,693,000 | 178,100,000 |