Call reports 2012
COASTAL HERITAGE BANK — 2012
What COASTAL HERITAGE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 211,290,000 | 209,415,000 | 207,648,000 | 206,794,000 |
| Total loans | 123,510,000 | 126,131,000 | 132,885,000 | 140,515,000 |
| Allowance for loan losses | 1,297,000 | 1,218,000 | 1,218,000 | 1,320,000 |
| Securities available for sale | 47,326,000 | 57,938,000 | 50,615,000 | 43,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,600,000 | 187,388,000 | 185,391,000 | 185,058,000 |
| Interest-bearing deposits | 170,561,000 | 169,463,000 | 166,842,000 | 165,461,000 |
| Noninterest-bearing deposits | 18,039,000 | 17,925,000 | 18,549,000 | 19,597,000 |
| Equity capital | 16,543,000 | 16,611,000 | 16,941,000 | 16,898,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,628,000 | 5,474,000 | 7,323,000 |
| Interest expense | 390,000 | 733,000 | 1,056,000 | 1,364,000 |
| Net interest income | 1,476,000 | 2,895,000 | 4,418,000 | 5,959,000 |
| Noninterest income | 235,000 | 420,000 | 625,000 | 812,000 |
| Noninterest expense | 1,368,000 | 2,823,000 | 4,191,000 | 5,710,000 |
| Provision for loan losses | 75,000 | 100,000 | 100,000 | 222,000 |
| Pretax income | 268,000 | 392,000 | 754,000 | 852,000 |
| Income tax | 101,000 | 140,000 | 264,000 | 281,000 |
| Net income | 167,000 | 252,000 | 490,000 | 571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,384,000 | 16,469,000 | 16,707,000 | 16,788,000 |
| Total capital | 17,681,000 | 17,687,000 | 17,925,000 | 18,108,000 |
| Risk-weighted assets | 111,551,000 | 113,531,000 | 115,622,000 | 119,901,000 |