Call reports 2016
NATURE COAST BANK — 2016
What NATURE COAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 64,620,000 | 60,644,000 | 57,281,000 | 55,124,000 |
| Total loans | 41,369,000 | 40,860,000 | 40,922,000 | 39,699,000 |
| Allowance for loan losses | 844,000 | 845,000 | 845,000 | 695,000 |
| Securities available for sale | 6,926,000 | 6,755,000 | 6,430,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,647,000 | 52,583,000 | 49,210,000 | 47,066,000 |
| Interest-bearing deposits | 41,565,000 | 40,066,000 | 38,266,000 | 36,632,000 |
| Noninterest-bearing deposits | 15,082,000 | 12,518,000 | 10,944,000 | 10,433,000 |
| Equity capital | 7,896,000 | 7,982,000 | 8,009,000 | 8,051,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 551,000 | 1,093,000 | 1,631,000 | 2,150,000 |
| Interest expense | 36,000 | 72,000 | 107,000 | 138,000 |
| Net interest income | 515,000 | 1,021,000 | 1,524,000 | 2,012,000 |
| Noninterest income | 2,000 | 34,000 | 65,000 | 133,000 |
| Noninterest expense | 450,000 | 905,000 | 1,403,000 | 1,907,000 |
| Provision for loan losses | 0 | 0 | 0 | -45,000 |
| Pretax income | 67,000 | 150,000 | 186,000 | 360,000 |
| Income tax | 25,000 | 56,000 | 66,000 | 135,000 |
| Net income | 42,000 | 94,000 | 120,000 | 225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,570,000 | 6,991,000 | 6,771,000 | 6,550,000 |
| Total capital | 7,204,000 | 7,594,000 | 7,362,000 | 7,132,000 |
| Risk-weighted assets | 49,766,000 | 47,553,000 | 46,442,000 | 45,835,000 |