Call reports 2008
COASTAL STATES BANK — 2008
What COASTAL STATES BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 387,802,000 | 401,080,000 | 390,348,000 | 395,867,000 |
| Total loans | 308,861,000 | 317,317,000 | 301,293,000 | 319,849,000 |
| Allowance for loan losses | 3,656,000 | 3,576,000 | 4,387,000 | 4,176,000 |
| Securities available for sale | 57,034,000 | 51,559,000 | 51,405,000 | 57,503,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,231,000 | 298,977,000 | 285,572,000 | 290,393,000 |
| Interest-bearing deposits | 260,580,000 | 270,222,000 | 263,208,000 | 270,156,000 |
| Noninterest-bearing deposits | 29,651,000 | 28,755,000 | 22,364,000 | 20,237,000 |
| Equity capital | 28,440,000 | 30,054,000 | 32,970,000 | 34,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,778,000 | 11,472,000 | 16,906,000 | 22,007,000 |
| Interest expense | 2,870,000 | 5,412,000 | 8,079,000 | 10,552,000 |
| Net interest income | 2,908,000 | 6,060,000 | 8,827,000 | 11,455,000 |
| Noninterest income | 2,393,000 | 4,987,000 | 7,445,000 | 9,166,000 |
| Noninterest expense | 4,937,000 | 10,008,000 | 15,021,000 | 19,668,000 |
| Provision for loan losses | 303,000 | 637,000 | 1,446,000 | 3,591,000 |
| Pretax income | 61,000 | 402,000 | -87,000 | -2,530,000 |
| Income tax | 21,000 | 137,000 | -28,000 | -965,000 |
| Net income | 40,000 | 265,000 | -59,000 | -1,565,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,026,000 | 30,281,000 | 32,842,000 | 32,428,000 |
| Total capital | 31,683,000 | 33,857,000 | 36,638,000 | 36,269,000 |
| Risk-weighted assets | 303,058,000 | 313,178,000 | 302,314,000 | 306,208,000 |