Call reports 2006
COASTAL HERITAGE BANK — 2006
What COASTAL HERITAGE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 155,453,000 | 159,749,000 | 159,160,000 | 159,505,000 |
| Total loans | 116,451,000 | 120,697,000 | 123,116,000 | 124,966,000 |
| Allowance for loan losses | 1,442,000 | 1,472,000 | 1,502,000 | 1,520,000 |
| Securities available for sale | 27,183,000 | 25,231,000 | 23,977,000 | 23,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,837,000 | 127,701,000 | 133,089,000 | 128,902,000 |
| Interest-bearing deposits | 122,281,000 | 115,909,000 | 121,002,000 | 118,090,000 |
| Noninterest-bearing deposits | 12,556,000 | 11,792,000 | 12,087,000 | 10,812,000 |
| Equity capital | 12,708,000 | 12,770,000 | 12,872,000 | 13,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,107,000 | 4,273,000 | 6,561,000 | 8,908,000 |
| Interest expense | 778,000 | 1,631,000 | 2,661,000 | 3,727,000 |
| Net interest income | 1,329,000 | 2,642,000 | 3,900,000 | 5,181,000 |
| Noninterest income | 83,000 | 172,000 | 282,000 | 412,000 |
| Noninterest expense | 1,092,000 | 2,258,000 | 3,308,000 | 4,467,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 290,000 | 496,000 | 784,000 | 1,006,000 |
| Income tax | 123,000 | 212,000 | 323,000 | 382,000 |
| Net income | 167,000 | 284,000 | 461,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,918,000 | 13,035,000 | 12,961,000 | 13,124,000 |
| Total capital | 14,180,000 | 14,332,000 | 14,301,000 | 14,475,000 |
| Risk-weighted assets | 100,737,000 | 103,606,000 | 107,002,000 | 107,904,000 |