Call reports 2005
NATURE COAST BANK — 2005
What NATURE COAST 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 | 10,594,000 | 12,143,000 | 13,064,000 | 14,475,000 |
| Total loans | 123,000 | 2,155,000 | 4,870,000 | 9,763,000 |
| Allowance for loan losses | 2,000 | 32,000 | 73,000 | 147,000 |
| Securities available for sale | 0 | 1,540,000 | 1,476,000 | 1,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,416,000 | 3,051,000 | 4,050,000 | 5,553,000 |
| Interest-bearing deposits | 1,359,000 | 2,908,000 | 3,762,000 | 5,435,000 |
| Noninterest-bearing deposits | 57,000 | 143,000 | 288,000 | 118,000 |
| Equity capital | 9,176,000 | 9,067,000 | 8,981,000 | 8,883,000 |
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 | 101,000 | 187,000 | 334,000 | 528,000 |
| Interest expense | 11,000 | 18,000 | 37,000 | 65,000 |
| Net interest income | 90,000 | 169,000 | 297,000 | 463,000 |
| Noninterest income | 0 | 7,000 | 22,000 | 31,000 |
| Noninterest expense | 585,000 | 814,000 | 1,040,000 | 1,290,000 |
| Provision for loan losses | 2,000 | 32,000 | 73,000 | 147,000 |
| Pretax income | -497,000 | -670,000 | -794,000 | -943,000 |
| Income tax | -187,000 | -253,000 | -298,000 | -355,000 |
| Net income | -310,000 | -417,000 | -496,000 | -588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,989,000 | 9,067,000 | 8,677,000 | 8,534,000 |
| Total capital | 8,991,000 | 9,099,000 | 8,750,000 | 8,681,000 |
| Risk-weighted assets | 2,905,000 | 4,938,000 | 7,340,000 | 11,595,000 |