Call reports 2009
NATURE COAST BANK — 2009
What NATURE COAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 61,866,000 | 60,270,000 | 57,832,000 | 58,251,000 |
| Total loans | 44,267,000 | 45,486,000 | 44,284,000 | 44,845,000 |
| Allowance for loan losses | 847,000 | 863,000 | 781,000 | 639,000 |
| Securities available for sale | 9,617,000 | 8,809,000 | 8,267,000 | 7,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,964,000 | 52,270,000 | 49,438,000 | 46,053,000 |
| Interest-bearing deposits | 50,376,000 | 48,148,000 | 45,349,000 | 42,203,000 |
| Noninterest-bearing deposits | 3,588,000 | 4,122,000 | 4,089,000 | 3,850,000 |
| Equity capital | 7,535,000 | 7,473,000 | 7,438,000 | 7,380,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 708,000 | 1,431,000 | 2,162,000 | 2,869,000 |
| Interest expense | 340,000 | 653,000 | 931,000 | 1,172,000 |
| Net interest income | 368,000 | 778,000 | 1,231,000 | 1,697,000 |
| Noninterest income | 20,000 | 49,000 | 29,000 | 94,000 |
| Noninterest expense | 437,000 | 916,000 | 1,392,000 | 1,941,000 |
| Provision for loan losses | 18,000 | 34,000 | 177,000 | 265,000 |
| Pretax income | -67,000 | -123,000 | -309,000 | -415,000 |
| Income tax | -19,000 | -45,000 | -113,000 | -151,000 |
| Net income | -48,000 | -78,000 | -196,000 | -264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,140,000 | 6,087,000 | 5,980,000 | 6,051,000 |
| Total capital | 6,762,000 | 6,718,000 | 6,615,000 | 6,680,000 |
| Risk-weighted assets | 49,525,000 | 50,243,000 | 49,874,000 | 50,358,000 |