Call reports 2005
SUNCOAST BANK — 2005
What SUNCOAST 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 | 109,802,000 | 121,772,000 | 122,413,000 | 131,846,000 |
| Total loans | 91,638,000 | 96,848,000 | 104,963,000 | 114,171,000 |
| Allowance for loan losses | 984,000 | 1,044,000 | 1,099,000 | 1,194,000 |
| Securities available for sale | 8,883,000 | 8,605,000 | 10,131,000 | 9,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,289,000 | 107,844,000 | 108,131,000 | 117,289,000 |
| Interest-bearing deposits | 81,787,000 | 92,484,000 | 97,950,000 | 105,409,000 |
| Noninterest-bearing deposits | 12,502,000 | 15,360,000 | 10,181,000 | 11,880,000 |
| Equity capital | 13,449,000 | 13,718,000 | 13,989,000 | 14,168,000 |
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 | 1,480,000 | 3,149,000 | 5,033,000 | 7,091,000 |
| Interest expense | 499,000 | 1,142,000 | 1,874,000 | 2,753,000 |
| Net interest income | 981,000 | 2,007,000 | 3,159,000 | 4,338,000 |
| Noninterest income | 26,000 | 51,000 | 81,000 | 107,000 |
| Noninterest expense | 605,000 | 1,218,000 | 1,879,000 | 2,557,000 |
| Provision for loan losses | 120,000 | 180,000 | 235,000 | 330,000 |
| Pretax income | 274,000 | 644,000 | 1,103,000 | 1,529,000 |
| Income tax | 104,000 | 245,000 | 419,000 | 581,000 |
| Net income | 170,000 | 399,000 | 684,000 | 948,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,575,000 | 13,804,000 | 14,088,000 | 14,353,000 |
| Total capital | 14,559,000 | 14,848,000 | 15,187,000 | 15,547,000 |
| Risk-weighted assets | 102,851,000 | 113,739,000 | 124,070,000 | 132,404,000 |