Call reports 2004
COASTAL HERITAGE BANK — 2004
What COASTAL HERITAGE 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 | 143,349,000 | 149,760,000 | 151,902,000 | 150,240,000 |
| Total loans | 96,341,000 | 98,267,000 | 100,682,000 | 102,457,000 |
| Allowance for loan losses | 1,227,000 | 1,253,000 | 1,283,000 | 1,292,000 |
| Securities available for sale | 38,778,000 | 39,439,000 | 44,881,000 | 39,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,400,000 | 133,596,000 | 135,531,000 | 131,881,000 |
| Interest-bearing deposits | 117,983,000 | 120,710,000 | 124,042,000 | 120,837,000 |
| Noninterest-bearing deposits | 10,417,000 | 12,886,000 | 11,489,000 | 11,044,000 |
| Equity capital | 11,813,000 | 11,689,000 | 11,945,000 | 11,999,000 |
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 | 1,740,000 | 3,493,000 | 5,319,000 | 7,171,000 |
| Interest expense | 518,000 | 1,038,000 | 1,589,000 | 2,136,000 |
| Net interest income | 1,222,000 | 2,455,000 | 3,730,000 | 5,035,000 |
| Noninterest income | 91,000 | 180,000 | 280,000 | 383,000 |
| Noninterest expense | 914,000 | 1,930,000 | 2,978,000 | 4,079,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 371,000 | 647,000 | 944,000 | 1,219,000 |
| Income tax | 139,000 | 272,000 | 396,000 | 533,000 |
| Net income | 232,000 | 375,000 | 548,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,565,000 | 11,708,000 | 11,881,000 | 12,019,000 |
| Total capital | 12,590,000 | 12,773,000 | 12,990,000 | 13,138,000 |
| Risk-weighted assets | 81,783,000 | 85,014,000 | 88,514,000 | 89,334,000 |