Call reports 2015
NATURE COAST BANK — 2015
What NATURE COAST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 56,081,000 | 59,002,000 | 57,160,000 | 64,452,000 |
| Total loans | 39,181,000 | 40,757,000 | 40,089,000 | 41,845,000 |
| Allowance for loan losses | 888,000 | 889,000 | 837,000 | 838,000 |
| Securities available for sale | 6,200,000 | 5,908,000 | 5,620,000 | 5,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,332,000 | 51,229,000 | 49,242,000 | 56,593,000 |
| Interest-bearing deposits | 37,043,000 | 38,505,000 | 38,575,000 | 38,656,000 |
| Noninterest-bearing deposits | 11,289,000 | 12,724,000 | 10,667,000 | 17,938,000 |
| Equity capital | 7,655,000 | 7,689,000 | 7,793,000 | 7,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 522,000 | 1,062,000 | 1,614,000 | 2,156,000 |
| Interest expense | 37,000 | 73,000 | 110,000 | 145,000 |
| Net interest income | 485,000 | 989,000 | 1,504,000 | 2,011,000 |
| Noninterest income | 28,000 | 58,000 | 85,000 | 101,000 |
| Noninterest expense | 434,000 | 859,000 | 1,282,000 | 1,712,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 79,000 | 188,000 | 307,000 | 400,000 |
| Income tax | 30,000 | 71,000 | 116,000 | 152,000 |
| Net income | 49,000 | 117,000 | 191,000 | 248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,384,000 | 6,165,000 | 6,415,000 | 5,924,000 |
| Total capital | 6,948,000 | 6,762,000 | 7,011,000 | 6,562,000 |
| Risk-weighted assets | 44,847,000 | 46,527,000 | 46,537,000 | 49,901,000 |