Call reports 2003
SUNCOAST BANK — 2003
What SUNCOAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,229,000 | 68,367,000 | 69,507,000 | 82,726,000 |
| Total loans | 44,027,000 | 46,206,000 | 52,380,000 | 61,114,000 |
| Allowance for loan losses | 539,000 | 558,000 | 576,000 | 654,000 |
| Securities available for sale | 8,014,000 | 11,772,000 | 10,486,000 | 10,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,976,000 | 60,903,000 | 61,596,000 | 74,747,000 |
| Interest-bearing deposits | 50,505,000 | 55,349,000 | 55,526,000 | 68,463,000 |
| Noninterest-bearing deposits | 5,471,000 | 5,554,000 | 6,070,000 | 6,284,000 |
| Equity capital | 5,140,000 | 6,341,000 | 7,284,000 | 7,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,652,000 | 2,544,000 | 3,537,000 |
| Interest expense | 306,000 | 630,000 | 935,000 | 1,261,000 |
| Net interest income | 490,000 | 1,022,000 | 1,609,000 | 2,276,000 |
| Noninterest income | 5,000 | 11,000 | 32,000 | 59,000 |
| Noninterest expense | 464,000 | 907,000 | 1,364,000 | 1,839,000 |
| Provision for loan losses | 21,000 | 40,000 | 58,000 | 136,000 |
| Pretax income | 13,000 | 56,000 | 162,000 | 291,000 |
| Income tax | 5,000 | 21,000 | 62,000 | 111,000 |
| Net income | 8,000 | 35,000 | 100,000 | 180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,495,000 | 5,723,000 | 6,771,000 | 7,085,000 |
| Total capital | 5,034,000 | 6,281,000 | 7,347,000 | 7,739,000 |
| Risk-weighted assets | 50,182,000 | 52,929,000 | 58,544,000 | 69,737,000 |