Call reports 2004
SUNCOAST BANK — 2004
What SUNCOAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 87,824,000 | 91,229,000 | 98,715,000 | 100,834,000 |
| Total loans | 66,424,000 | 71,792,000 | 74,281,000 | 82,306,000 |
| Allowance for loan losses | 695,000 | 776,000 | 813,000 | 864,000 |
| Securities available for sale | 11,935,000 | 9,921,000 | 9,805,000 | 9,446,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,710,000 | 83,248,000 | 90,890,000 | 85,344,000 |
| Interest-bearing deposits | 71,095,000 | 76,242,000 | 80,953,000 | 76,460,000 |
| Noninterest-bearing deposits | 8,615,000 | 7,006,000 | 9,937,000 | 8,884,000 |
| Equity capital | 7,512,000 | 7,350,000 | 7,674,000 | 13,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,032,000 | 2,159,000 | 3,390,000 | 4,720,000 |
| Interest expense | 364,000 | 767,000 | 1,200,000 | 1,652,000 |
| Net interest income | 668,000 | 1,392,000 | 2,190,000 | 3,068,000 |
| Noninterest income | 27,000 | 54,000 | 84,000 | 107,000 |
| Noninterest expense | 536,000 | 1,060,000 | 1,623,000 | 2,152,000 |
| Provision for loan losses | 41,000 | 122,000 | 159,000 | 210,000 |
| Pretax income | 108,000 | 235,000 | 452,000 | 762,000 |
| Income tax | 41,000 | 89,000 | 172,000 | 289,000 |
| Net income | 67,000 | 146,000 | 280,000 | 473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,229,000 | 7,348,000 | 7,564,000 | 13,405,000 |
| Total capital | 7,924,000 | 8,124,000 | 8,377,000 | 14,269,000 |
| Risk-weighted assets | 77,088,000 | 80,807,000 | 84,591,000 | 93,392,000 |