Call reports 2007
COASTAL STATES BANK — 2007
What COASTAL STATES BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 338,096,000 | 334,077,000 | 339,383,000 | 357,296,000 |
| Total loans | 210,910,000 | 238,126,000 | 253,929,000 | 287,091,000 |
| Allowance for loan losses | 2,586,000 | 2,760,000 | 2,974,000 | 3,360,000 |
| Securities available for sale | 46,814,000 | 50,426,000 | 51,047,000 | 50,081,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,168,000 | 275,816,000 | 278,094,000 | 266,656,000 |
| Interest-bearing deposits | 267,675,000 | 248,519,000 | 256,903,000 | 246,712,000 |
| Noninterest-bearing deposits | 28,493,000 | 27,297,000 | 21,191,000 | 19,944,000 |
| Equity capital | 22,632,000 | 26,386,000 | 26,794,000 | 26,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,497,000 | 11,503,000 | 18,426,000 | 25,272,000 |
| Interest expense | 3,050,000 | 6,244,000 | 9,418,000 | 12,512,000 |
| Net interest income | 2,447,000 | 5,259,000 | 9,008,000 | 12,760,000 |
| Noninterest income | 433,000 | 805,000 | 1,679,000 | 2,852,000 |
| Noninterest expense | 2,454,000 | 5,127,000 | 9,611,000 | 14,401,000 |
| Provision for loan losses | 44,000 | 218,000 | 432,000 | 818,000 |
| Pretax income | 382,000 | 719,000 | 644,000 | 393,000 |
| Income tax | 130,000 | 244,000 | 213,000 | 134,000 |
| Net income | 252,000 | 475,000 | 431,000 | 259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,772,000 | 26,568,000 | 26,594,000 | 26,576,000 |
| Total capital | 25,358,000 | 29,328,000 | 29,568,000 | 29,936,000 |
| Risk-weighted assets | 243,348,000 | 258,758,000 | 277,781,000 | 299,181,000 |