Call reports 2008
NATURE COAST BANK — 2008
What NATURE COAST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,412,000 | 46,714,000 | 51,479,000 | 54,686,000 |
| Total loans | 34,845,000 | 38,820,000 | 41,799,000 | 44,183,000 |
| Allowance for loan losses | 487,000 | 521,000 | 576,000 | 829,000 |
| Securities available for sale | 2,468,000 | 2,293,000 | 2,219,000 | 4,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,275,000 | 36,334,000 | 38,182,000 | 45,396,000 |
| Interest-bearing deposits | 27,389,000 | 32,337,000 | 34,596,000 | 41,653,000 |
| Noninterest-bearing deposits | 2,886,000 | 3,997,000 | 3,586,000 | 3,743,000 |
| Equity capital | 8,739,000 | 8,652,000 | 8,612,000 | 7,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 647,000 | 1,285,000 | 1,964,000 | 2,638,000 |
| Interest expense | 300,000 | 607,000 | 925,000 | 1,246,000 |
| Net interest income | 347,000 | 678,000 | 1,039,000 | 1,392,000 |
| Noninterest income | 24,000 | 51,000 | 86,000 | 106,000 |
| Noninterest expense | 489,000 | 931,000 | 1,382,000 | 1,830,000 |
| Provision for loan losses | 24,000 | 62,000 | 116,000 | 1,866,000 |
| Pretax income | -142,000 | -264,000 | -373,000 | -2,198,000 |
| Income tax | -50,000 | -94,000 | -131,000 | -815,000 |
| Net income | -92,000 | -170,000 | -242,000 | -1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,219,000 | 8,091,000 | 8,006,000 | 6,215,000 |
| Total capital | 8,707,000 | 8,612,000 | 8,582,000 | 6,830,000 |
| Risk-weighted assets | 39,203,000 | 43,164,000 | 46,854,000 | 48,224,000 |