Call reports 2007
COASTAL HERITAGE BANK — 2007
What COASTAL HERITAGE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 162,769,000 | 157,670,000 | 157,201,000 | 157,560,000 |
| Total loans | 128,689,000 | 128,865,000 | 130,204,000 | 129,909,000 |
| Allowance for loan losses | 1,535,000 | 1,550,000 | 1,565,000 | 1,580,000 |
| Securities available for sale | 18,917,000 | 17,409,000 | 16,935,000 | 17,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,171,000 | 133,885,000 | 130,533,000 | 133,199,000 |
| Interest-bearing deposits | 128,722,000 | 122,136,000 | 117,853,000 | 120,344,000 |
| Noninterest-bearing deposits | 10,449,000 | 11,749,000 | 12,680,000 | 12,855,000 |
| Equity capital | 13,244,000 | 13,342,000 | 13,498,000 | 13,794,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,335,000 | 4,721,000 | 7,062,000 | 9,508,000 |
| Interest expense | 1,147,000 | 2,332,000 | 3,443,000 | 4,489,000 |
| Net interest income | 1,188,000 | 2,389,000 | 3,619,000 | 5,019,000 |
| Noninterest income | 115,000 | 231,000 | 348,000 | 493,000 |
| Noninterest expense | 1,153,000 | 2,307,000 | 3,491,000 | 4,680,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 135,000 | 283,000 | 431,000 | 772,000 |
| Income tax | 39,000 | 87,000 | 138,000 | 235,000 |
| Net income | 96,000 | 196,000 | 293,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,221,000 | 13,321,000 | 13,418,000 | 13,662,000 |
| Total capital | 14,602,000 | 14,688,000 | 14,796,000 | 15,037,000 |
| Risk-weighted assets | 110,353,000 | 109,216,000 | 110,060,000 | 109,807,000 |