Call reports 2005
COASTAL STATES BANK — 2005
What COASTAL STATES BANK 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 | 94,816,000 | 134,147,000 | 155,126,000 | 172,716,000 |
| Total loans | 64,894,000 | 86,523,000 | 103,646,000 | 126,879,000 |
| Allowance for loan losses | 768,000 | 993,000 | 1,182,000 | 1,545,000 |
| Securities available for sale | 20,503,000 | 24,626,000 | 26,454,000 | 28,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,907,000 | 120,788,000 | 135,599,000 | 147,908,000 |
| Interest-bearing deposits | 75,245,000 | 110,003,000 | 118,711,000 | 129,425,000 |
| Noninterest-bearing deposits | 6,662,000 | 10,785,000 | 16,888,000 | 18,483,000 |
| Equity capital | 12,771,000 | 13,074,000 | 19,073,000 | 19,142,000 |
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 | 1,168,000 | 2,907,000 | 5,234,000 | 8,033,000 |
| Interest expense | 373,000 | 923,000 | 1,656,000 | 2,600,000 |
| Net interest income | 795,000 | 1,984,000 | 3,578,000 | 5,433,000 |
| Noninterest income | 104,000 | 419,000 | 761,000 | 1,044,000 |
| Noninterest expense | 977,000 | 2,208,000 | 3,612,000 | 5,096,000 |
| Provision for loan losses | 319,000 | 544,000 | 733,000 | 1,096,000 |
| Pretax income | -397,000 | -349,000 | -6,000 | 285,000 |
| Income tax | -135,000 | -119,000 | -2,000 | 97,000 |
| Net income | -262,000 | -230,000 | -4,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,898,000 | 13,083,000 | 19,179,000 | 19,307,000 |
| Total capital | 13,666,000 | 14,076,000 | 20,361,000 | 20,852,000 |
| Risk-weighted assets | 64,927,000 | 93,922,000 | 116,147,000 | 141,434,000 |