Call reports 2004
CYPRESS COQUINA BANK — 2004
What CYPRESS COQUINA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 126,625,000 | 133,720,000 | 271,294,000 | 277,489,000 |
| Total loans | 77,330,000 | 79,729,000 | 173,897,000 | 175,344,000 |
| Allowance for loan losses | 1,160,000 | 1,170,000 | 2,553,000 | 2,563,000 |
| Securities available for sale | 25,791,000 | 28,079,000 | 36,727,000 | 34,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,900,000 | 121,516,000 | 225,057,000 | 229,640,000 |
| Interest-bearing deposits | 93,244,000 | 100,372,000 | 180,704,000 | 183,017,000 |
| Noninterest-bearing deposits | 20,656,000 | 21,143,000 | 44,353,000 | 46,623,000 |
| Equity capital | 10,353,000 | 10,292,000 | 43,201,000 | 43,973,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 591,000 | 1,929,000 | 4,846,000 | 8,095,000 |
| Interest expense | 97,000 | 323,000 | 794,000 | 1,368,000 |
| Net interest income | 494,000 | 1,606,000 | 4,052,000 | 6,727,000 |
| Noninterest income | 56,000 | 188,000 | 380,000 | 611,000 |
| Noninterest expense | 340,000 | 1,141,000 | 2,507,000 | 4,022,000 |
| Provision for loan losses | 13,000 | 24,000 | 38,000 | 38,000 |
| Pretax income | 197,000 | 629,000 | 1,887,000 | 3,278,000 |
| Income tax | 72,000 | 231,000 | 698,000 | 1,217,000 |
| Net income | 125,000 | 398,000 | 1,189,000 | 2,061,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,543,000 | 8,919,000 | 18,706,000 | 19,741,000 |
| Total capital | 9,703,000 | 10,089,000 | 21,144,000 | 22,152,000 |
| Risk-weighted assets | 92,646,000 | 94,454,000 | 192,823,000 | 192,544,000 |