Call reports 2013
NATURE COAST BANK — 2013
What NATURE COAST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 57,104,000 | 58,575,000 | 57,149,000 | 57,211,000 |
| Total loans | 40,772,000 | 40,858,000 | 40,462,000 | 40,254,000 |
| Allowance for loan losses | 1,006,000 | 1,007,000 | 1,007,000 | 976,000 |
| Securities available for sale | 3,869,000 | 3,490,000 | 5,089,000 | 4,781,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,813,000 | 51,246,000 | 49,737,000 | 49,881,000 |
| Interest-bearing deposits | 42,805,000 | 42,539,000 | 42,326,000 | 41,420,000 |
| Noninterest-bearing deposits | 7,008,000 | 8,707,000 | 7,411,000 | 8,461,000 |
| Equity capital | 7,215,000 | 7,249,000 | 7,289,000 | 7,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 581,000 | 1,135,000 | 1,695,000 | 2,251,000 |
| Interest expense | 80,000 | 139,000 | 195,000 | 249,000 |
| Net interest income | 501,000 | 996,000 | 1,500,000 | 2,002,000 |
| Noninterest income | 18,000 | 32,000 | 58,000 | 95,000 |
| Noninterest expense | 408,000 | 838,000 | 1,263,000 | 1,739,000 |
| Provision for loan losses | 19,000 | 19,000 | 19,000 | 19,000 |
| Pretax income | 92,000 | 171,000 | 276,000 | 339,000 |
| Income tax | 35,000 | 65,000 | 106,000 | 129,000 |
| Net income | 57,000 | 106,000 | 170,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,482,000 | 5,579,000 | 5,668,000 | 5,709,000 |
| Total capital | 6,070,000 | 6,163,000 | 6,241,000 | 6,289,000 |
| Risk-weighted assets | 46,597,000 | 46,339,000 | 45,418,000 | 45,975,000 |