Call reports 2014
NATURE COAST BANK — 2014
What NATURE COAST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 56,770,000 | 57,976,000 | 54,766,000 | 53,478,000 |
| Total loans | 39,902,000 | 40,600,000 | 39,802,000 | 39,453,000 |
| Allowance for loan losses | 880,000 | 886,000 | 887,000 | 887,000 |
| Securities available for sale | 4,600,000 | 5,865,000 | 5,584,000 | 5,425,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,309,000 | 50,413,000 | 47,123,000 | 45,840,000 |
| Interest-bearing deposits | 40,936,000 | 40,225,000 | 37,420,000 | 36,543,000 |
| Noninterest-bearing deposits | 8,373,000 | 10,189,000 | 9,703,000 | 9,297,000 |
| Equity capital | 7,367,000 | 7,449,000 | 7,508,000 | 7,583,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,093,000 | 1,652,000 | 2,192,000 |
| Interest expense | 50,000 | 98,000 | 138,000 | 176,000 |
| Net interest income | 496,000 | 995,000 | 1,514,000 | 2,016,000 |
| Noninterest income | 25,000 | 66,000 | 86,000 | 106,000 |
| Noninterest expense | 459,000 | 890,000 | 1,318,000 | 1,772,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 171,000 | 282,000 | 350,000 |
| Income tax | 24,000 | 65,000 | 107,000 | 134,000 |
| Net income | 38,000 | 106,000 | 175,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,796,000 | 5,919,000 | 6,025,000 | 6,101,000 |
| Total capital | 6,374,000 | 6,504,000 | 6,600,000 | 6,662,000 |
| Risk-weighted assets | 46,035,000 | 46,544,000 | 45,664,000 | 44,537,000 |