Call reports 2006
COASTAL STATES BANK — 2006
What COASTAL STATES BANK 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 | 212,565,000 | 224,006,000 | 243,584,000 | 285,913,000 |
| Total loans | 147,771,000 | 172,560,000 | 196,847,000 | 202,532,000 |
| Allowance for loan losses | 1,799,000 | 2,108,000 | 2,390,000 | 2,542,000 |
| Securities available for sale | 33,529,000 | 35,753,000 | 38,333,000 | 40,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,209,000 | 195,553,000 | 210,139,000 | 244,047,000 |
| Interest-bearing deposits | 160,080,000 | 166,866,000 | 187,388,000 | 217,677,000 |
| Noninterest-bearing deposits | 24,129,000 | 28,687,000 | 22,751,000 | 26,370,000 |
| Equity capital | 19,220,000 | 19,134,000 | 21,999,000 | 22,330,000 |
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 | 3,200,000 | 7,027,000 | 11,387,000 | 16,221,000 |
| Interest expense | 1,174,000 | 2,738,000 | 4,746,000 | 7,235,000 |
| Net interest income | 2,026,000 | 4,289,000 | 6,641,000 | 8,986,000 |
| Noninterest income | 236,000 | 452,000 | 695,000 | 976,000 |
| Noninterest expense | 1,635,000 | 3,337,000 | 5,120,000 | 7,127,000 |
| Provision for loan losses | 254,000 | 563,000 | 846,000 | 998,000 |
| Pretax income | 373,000 | 841,000 | 1,370,000 | 1,797,000 |
| Income tax | 127,000 | 286,000 | 466,000 | 611,000 |
| Net income | 246,000 | 555,000 | 904,000 | 1,186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,467,000 | 17,763,000 | 22,187,000 | 22,494,000 |
| Total capital | 21,266,000 | 19,871,000 | 24,576,000 | 25,036,000 |
| Risk-weighted assets | 165,398,000 | 189,916,000 | 212,994,000 | 224,883,000 |