Call reports 2010
NATURE COAST BANK — 2010
What NATURE COAST BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,576,000 | 58,742,000 | 61,308,000 | 55,539,000 |
| Total loans | 46,032,000 | 45,290,000 | 43,313,000 | 42,393,000 |
| Allowance for loan losses | 677,000 | 661,000 | 613,000 | 626,000 |
| Securities available for sale | 6,562,000 | 6,155,000 | 3,165,000 | 5,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,608,000 | 51,484,000 | 54,132,000 | 47,419,000 |
| Interest-bearing deposits | 44,652,000 | 47,199,000 | 49,765,000 | 43,848,000 |
| Noninterest-bearing deposits | 4,956,000 | 4,285,000 | 4,367,000 | 3,571,000 |
| Equity capital | 7,347,000 | 7,117,000 | 7,050,000 | 7,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 694,000 | 1,377,000 | 2,047,000 | 2,688,000 |
| Interest expense | 210,000 | 411,000 | 625,000 | 827,000 |
| Net interest income | 484,000 | 966,000 | 1,422,000 | 1,861,000 |
| Noninterest income | -24,000 | -17,000 | 13,000 | 46,000 |
| Noninterest expense | 458,000 | 923,000 | 1,371,000 | 1,814,000 |
| Provision for loan losses | 67,000 | 485,000 | 584,000 | 619,000 |
| Pretax income | -65,000 | -459,000 | -417,000 | -423,000 |
| Income tax | -25,000 | -172,000 | -155,000 | -158,000 |
| Net income | -40,000 | -287,000 | -262,000 | -265,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,739,000 | 5,347,000 | 5,389,000 | 5,384,000 |
| Total capital | 6,381,000 | 5,977,000 | 6,002,000 | 5,982,000 |
| Risk-weighted assets | 51,380,000 | 50,406,000 | 49,666,000 | 47,611,000 |