Call reports 2005
SEA ISLAND BANK — 2005
What SEA ISLAND 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 | 391,085,000 | 427,832,000 | 444,262,000 | 469,617,000 |
| Total loans | 342,575,000 | 379,861,000 | 397,038,000 | 418,156,000 |
| Allowance for loan losses | 4,468,000 | 5,040,000 | 5,528,000 | 5,734,000 |
| Securities available for sale | 25,914,000 | 28,013,000 | 27,577,000 | 29,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,826,000 | 344,912,000 | 358,933,000 | 368,915,000 |
| Interest-bearing deposits | 262,624,000 | 293,970,000 | 303,441,000 | 310,381,000 |
| Noninterest-bearing deposits | 52,202,000 | 50,942,000 | 55,492,000 | 58,534,000 |
| Equity capital | 31,322,000 | 35,470,000 | 37,166,000 | 39,652,000 |
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 | 5,131,000 | 11,313,000 | 18,206,000 | 25,816,000 |
| Interest expense | 1,682,000 | 3,833,000 | 6,506,000 | 9,499,000 |
| Net interest income | 3,449,000 | 7,480,000 | 11,700,000 | 16,317,000 |
| Noninterest income | 642,000 | 1,292,000 | 1,982,000 | 2,672,000 |
| Noninterest expense | 2,164,000 | 4,486,000 | 6,722,000 | 8,737,000 |
| Provision for loan losses | 540,000 | 1,115,000 | 1,640,000 | 2,365,000 |
| Pretax income | 1,387,000 | 3,171,000 | 5,320,000 | 7,887,000 |
| Income tax | 496,000 | 1,151,000 | 1,944,000 | 2,900,000 |
| Net income | 891,000 | 2,020,000 | 3,376,000 | 4,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,434,000 | 35,459,000 | 37,290,000 | 39,848,000 |
| Total capital | 35,902,000 | 40,414,000 | 42,507,000 | 45,382,000 |
| Risk-weighted assets | 358,038,000 | 396,308,000 | 417,014,000 | 442,506,000 |