Call reports 2007
NATURE COAST BANK — 2007
What NATURE COAST 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 | 33,851,000 | 36,800,000 | 38,444,000 | 40,790,000 |
| Total loans | 25,049,000 | 29,747,000 | 32,170,000 | 32,873,000 |
| Allowance for loan losses | 333,000 | 405,000 | 443,000 | 462,000 |
| Securities available for sale | 1,234,000 | 1,206,000 | 1,185,000 | 1,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,717,000 | 27,579,000 | 29,163,000 | 29,689,000 |
| Interest-bearing deposits | 22,809,000 | 24,033,000 | 26,567,000 | 26,740,000 |
| Noninterest-bearing deposits | 1,908,000 | 3,546,000 | 2,596,000 | 2,949,000 |
| Equity capital | 8,923,000 | 8,909,000 | 8,879,000 | 8,822,000 |
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 | 578,000 | 1,211,000 | 1,892,000 | 2,565,000 |
| Interest expense | 229,000 | 484,000 | 800,000 | 1,120,000 |
| Net interest income | 349,000 | 727,000 | 1,092,000 | 1,445,000 |
| Noninterest income | 18,000 | 49,000 | 72,000 | 100,000 |
| Noninterest expense | 332,000 | 716,000 | 1,200,000 | 1,688,000 |
| Provision for loan losses | 20,000 | 92,000 | 130,000 | 151,000 |
| Pretax income | 15,000 | -32,000 | -166,000 | -294,000 |
| Income tax | 8,000 | -5,000 | -51,000 | -95,000 |
| Net income | 7,000 | -27,000 | -115,000 | -199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,557,000 | 8,534,000 | 8,454,000 | 8,348,000 |
| Total capital | 8,890,000 | 8,938,000 | 8,896,000 | 8,810,000 |
| Risk-weighted assets | 29,007,000 | 34,325,000 | 36,534,000 | 37,663,000 |