Call reports 2009
COASTAL HERITAGE BANK — 2009
What COASTAL HERITAGE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 173,855,000 | 173,445,000 | 173,971,000 | 175,589,000 |
| Total loans | 134,154,000 | 133,710,000 | 132,660,000 | 134,164,000 |
| Allowance for loan losses | 1,412,000 | 1,442,000 | 1,320,000 | 1,400,000 |
| Securities available for sale | 20,267,000 | 23,082,000 | 22,099,000 | 20,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,941,000 | 148,743,000 | 149,289,000 | 151,037,000 |
| Interest-bearing deposits | 136,198,000 | 137,753,000 | 138,224,000 | 140,901,000 |
| Noninterest-bearing deposits | 9,743,000 | 10,990,000 | 11,065,000 | 10,136,000 |
| Equity capital | 14,831,000 | 14,938,000 | 15,038,000 | 14,857,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,257,000 | 4,421,000 | 6,632,000 | 8,775,000 |
| Interest expense | 833,000 | 1,675,000 | 2,444,000 | 3,140,000 |
| Net interest income | 1,424,000 | 2,746,000 | 4,188,000 | 5,635,000 |
| Noninterest income | 203,000 | 465,000 | 646,000 | 786,000 |
| Noninterest expense | 1,335,000 | 2,739,000 | 4,110,000 | 5,662,000 |
| Provision for loan losses | 30,000 | 60,000 | 240,000 | 470,000 |
| Pretax income | 262,000 | 412,000 | 484,000 | 306,000 |
| Income tax | 90,000 | 153,000 | 199,000 | 125,000 |
| Net income | 172,000 | 259,000 | 285,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,480,000 | 14,640,000 | 14,697,000 | 14,593,000 |
| Total capital | 15,892,000 | 16,078,000 | 16,017,000 | 15,993,000 |
| Risk-weighted assets | 117,229,000 | 115,077,000 | 113,425,000 | 115,787,000 |