Call reports 2012
NATURE COAST BANK — 2012
What NATURE COAST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 62,090,000 | 61,592,000 | 61,435,000 | 59,394,000 |
| Total loans | 42,331,000 | 43,703,000 | 43,061,000 | 42,972,000 |
| Allowance for loan losses | 741,000 | 742,000 | 602,000 | 987,000 |
| Securities available for sale | 5,295,000 | 4,895,000 | 4,532,000 | 4,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,516,000 | 53,994,000 | 53,877,000 | 52,202,000 |
| Interest-bearing deposits | 47,978,000 | 47,314,000 | 46,712,000 | 45,767,000 |
| Noninterest-bearing deposits | 6,538,000 | 6,680,000 | 7,164,000 | 6,435,000 |
| Equity capital | 7,435,000 | 7,462,000 | 7,428,000 | 7,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 617,000 | 1,197,000 | 1,796,000 | 2,401,000 |
| Interest expense | 149,000 | 280,000 | 401,000 | 501,000 |
| Net interest income | 468,000 | 917,000 | 1,395,000 | 1,900,000 |
| Noninterest income | 32,000 | 45,000 | 80,000 | 104,000 |
| Noninterest expense | 425,000 | 834,000 | 1,257,000 | 1,675,000 |
| Provision for loan losses | 0 | 0 | 138,000 | 677,000 |
| Pretax income | 75,000 | 128,000 | 80,000 | -348,000 |
| Income tax | 28,000 | 48,000 | 31,000 | -130,000 |
| Net income | 47,000 | 80,000 | 49,000 | -218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,844,000 | 5,863,000 | 5,845,000 | 5,388,000 |
| Total capital | 6,450,000 | 6,473,000 | 6,447,000 | 5,997,000 |
| Risk-weighted assets | 48,361,000 | 48,752,000 | 48,785,000 | 48,368,000 |