Call reports 2011
NATURE COAST BANK — 2011
What NATURE COAST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 57,044,000 | 57,450,000 | 59,458,000 | 58,625,000 |
| Total loans | 43,865,000 | 44,500,000 | 43,990,000 | 43,067,000 |
| Allowance for loan losses | 668,000 | 676,000 | 689,000 | 741,000 |
| Securities available for sale | 5,411,000 | 5,185,000 | 4,964,000 | 4,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,582,000 | 50,306,000 | 51,971,000 | 51,061,000 |
| Interest-bearing deposits | 42,318,000 | 44,744,000 | 46,109,000 | 45,866,000 |
| Noninterest-bearing deposits | 5,264,000 | 5,562,000 | 5,862,000 | 5,195,000 |
| Equity capital | 6,974,000 | 7,012,000 | 7,384,000 | 7,399,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,269,000 | 1,915,000 | 2,537,000 |
| Interest expense | 173,000 | 350,000 | 520,000 | 681,000 |
| Net interest income | 444,000 | 919,000 | 1,395,000 | 1,856,000 |
| Noninterest income | 12,000 | 40,000 | 25,000 | 6,000 |
| Noninterest expense | 436,000 | 927,000 | 1,358,000 | 1,768,000 |
| Provision for loan losses | 42,000 | 53,000 | 65,000 | 65,000 |
| Pretax income | -22,000 | -21,000 | -3,000 | 29,000 |
| Income tax | -8,000 | -8,000 | -1,000 | 11,000 |
| Net income | -14,000 | -13,000 | -2,000 | 18,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,351,000 | 5,383,000 | 5,747,000 | 5,733,000 |
| Total capital | 5,974,000 | 6,007,000 | 6,372,000 | 6,348,000 |
| Risk-weighted assets | 49,062,000 | 50,194,000 | 49,949,000 | 49,132,000 |