Call reports 2007
CYPRESS COQUINA BANK — 2007
What CYPRESS COQUINA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 322,116,000 | 322,272,000 | 307,331,000 | 309,436,000 |
| Total loans | 231,843,000 | 227,689,000 | 223,020,000 | 224,567,000 |
| Allowance for loan losses | 2,770,000 | 2,770,000 | 2,763,000 | 2,796,000 |
| Securities available for sale | 21,788,000 | 20,158,000 | 19,348,000 | 16,278,000 |
| Securities held to maturity | 17,284,000 | 16,356,000 | 15,507,000 | 14,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,049,000 | 263,177,000 | 248,543,000 | 250,236,000 |
| Interest-bearing deposits | 205,162,000 | 218,997,000 | 203,183,000 | 215,069,000 |
| Noninterest-bearing deposits | 51,887,000 | 44,180,000 | 45,360,000 | 35,168,000 |
| Equity capital | 50,566,000 | 50,801,000 | 51,224,000 | 51,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,984,000 | 10,015,000 | 15,032,000 | 19,816,000 |
| Interest expense | 1,833,000 | 3,742,000 | 5,691,000 | 7,563,000 |
| Net interest income | 3,151,000 | 6,273,000 | 9,341,000 | 12,253,000 |
| Noninterest income | 263,000 | 545,000 | 949,000 | 1,307,000 |
| Noninterest expense | 1,676,000 | 3,336,000 | 5,040,000 | 6,923,000 |
| Provision for loan losses | 103,000 | 103,000 | 103,000 | 248,000 |
| Pretax income | 1,635,000 | 3,379,000 | 5,147,000 | 6,389,000 |
| Income tax | 611,000 | 1,266,000 | 1,991,000 | 2,389,000 |
| Net income | 1,024,000 | 2,113,000 | 3,156,000 | 4,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,861,000 | 28,303,000 | 28,687,000 | 28,835,000 |
| Total capital | 30,634,000 | 31,081,000 | 31,450,000 | 31,631,000 |
| Risk-weighted assets | 263,703,000 | 254,440,000 | 251,783,000 | 249,100,000 |