Call reports 2005
COASTAL HERITAGE BANK — 2005
What COASTAL HERITAGE 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 | 150,502,000 | 151,119,000 | 155,487,000 | 152,692,000 |
| Total loans | 103,928,000 | 106,852,000 | 110,251,000 | 112,788,000 |
| Allowance for loan losses | 1,322,000 | 1,352,000 | 1,382,000 | 1,412,000 |
| Securities available for sale | 38,715,000 | 35,510,000 | 36,168,000 | 31,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,547,000 | 132,025,000 | 138,950,000 | 134,917,000 |
| Interest-bearing deposits | 119,302,000 | 119,045,000 | 126,235,000 | 122,881,000 |
| Noninterest-bearing deposits | 11,245,000 | 12,980,000 | 12,715,000 | 12,036,000 |
| Equity capital | 12,045,000 | 12,291,000 | 12,457,000 | 12,553,000 |
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 | 1,858,000 | 3,749,000 | 5,749,000 | 7,807,000 |
| Interest expense | 540,000 | 1,114,000 | 1,748,000 | 2,449,000 |
| Net interest income | 1,318,000 | 2,635,000 | 4,001,000 | 5,358,000 |
| Noninterest income | 80,000 | 166,000 | 261,000 | 346,000 |
| Noninterest expense | 1,064,000 | 2,173,000 | 3,233,000 | 4,398,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 304,000 | 568,000 | 939,000 | 1,186,000 |
| Income tax | 116,000 | 214,000 | 360,000 | 455,000 |
| Net income | 188,000 | 354,000 | 579,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,207,000 | 12,373,000 | 12,598,000 | 12,750,000 |
| Total capital | 13,348,000 | 13,531,000 | 13,803,000 | 13,972,000 |
| Risk-weighted assets | 91,092,000 | 92,484,000 | 96,203,000 | 97,545,000 |