Call reports 2003
CYPRESS COQUINA BANK — 2003
What CYPRESS COQUINA BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 99,291,000 | 108,044,000 | 110,347,000 | 113,720,000 |
| Total loans | 57,271,000 | 64,734,000 | 69,049,000 | 72,442,000 |
| Allowance for loan losses | 804,000 | 804,000 | 846,000 | 960,000 |
| Securities available for sale | 22,713,000 | 22,101,000 | 26,477,000 | 27,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,515,000 | 98,112,000 | 100,059,000 | 102,295,000 |
| Interest-bearing deposits | 77,108,000 | 84,400,000 | 85,768,000 | 84,646,000 |
| Noninterest-bearing deposits | 12,407,000 | 13,711,000 | 14,291,000 | 17,649,000 |
| Equity capital | 8,198,000 | 8,438,000 | 8,420,000 | 8,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,147,000 | 3,249,000 | 4,509,000 |
| Interest expense | 225,000 | 464,000 | 688,000 | 912,000 |
| Net interest income | 811,000 | 1,683,000 | 2,561,000 | 3,597,000 |
| Noninterest income | 99,000 | 208,000 | 327,000 | 462,000 |
| Noninterest expense | 630,000 | 1,248,000 | 1,906,000 | 2,597,000 |
| Provision for loan losses | 21,000 | 21,000 | 63,000 | 177,000 |
| Pretax income | 259,000 | 622,000 | 919,000 | 1,285,000 |
| Income tax | 97,000 | 233,000 | 342,000 | 469,000 |
| Net income | 162,000 | 389,000 | 577,000 | 816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,072,000 | 8,297,000 | 8,486,000 | 8,725,000 |
| Total capital | 8,876,000 | 9,101,000 | 9,332,000 | 9,685,000 |
| Risk-weighted assets | 68,961,000 | 76,203,000 | 81,512,000 | 85,131,000 |