Call reports 2005
CYPRESS COQUINA BANK — 2005
What CYPRESS COQUINA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 298,754,000 | 327,772,000 | 314,480,000 | 296,889,000 |
| Total loans | 181,206,000 | 192,853,000 | 192,762,000 | 199,348,000 |
| Allowance for loan losses | 2,563,000 | 2,606,000 | 2,606,000 | 2,578,000 |
| Securities available for sale | 34,297,000 | 32,897,000 | 30,412,000 | 27,875,000 |
| Securities held to maturity | 0 | 6,919,000 | 6,655,000 | 11,263,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,849,000 | 273,514,000 | 261,403,000 | 243,034,000 |
| Interest-bearing deposits | 193,297,000 | 219,422,000 | 204,941,000 | 194,722,000 |
| Noninterest-bearing deposits | 53,552,000 | 54,092,000 | 56,462,000 | 48,312,000 |
| Equity capital | 44,471,000 | 45,639,000 | 46,293,000 | 47,004,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,381,000 | 7,156,000 | 11,368,000 | 15,744,000 |
| Interest expense | 681,000 | 1,569,000 | 2,636,000 | 3,780,000 |
| Net interest income | 2,700,000 | 5,587,000 | 8,732,000 | 11,964,000 |
| Noninterest income | 282,000 | 560,000 | 829,000 | 1,104,000 |
| Noninterest expense | 1,511,000 | 3,001,000 | 4,536,000 | 6,202,000 |
| Provision for loan losses | 120,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 1,351,000 | 3,026,000 | 4,905,000 | 6,746,000 |
| Income tax | 503,000 | 1,132,000 | 1,840,000 | 2,538,000 |
| Net income | 848,000 | 1,894,000 | 3,065,000 | 4,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,715,000 | 21,782,000 | 22,768,000 | 23,739,000 |
| Total capital | 23,276,000 | 24,388,000 | 25,374,000 | 26,317,000 |
| Risk-weighted assets | 204,884,000 | 216,530,000 | 219,123,000 | 226,013,000 |