Call reports 2004
LA COSTE NATIONAL BANK, THE — 2004
What LA COSTE NATIONAL BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 27,307,000 | 26,604,000 | 27,229,000 | 27,945,000 |
| Total loans | 6,147,000 | 6,192,000 | 6,226,000 | 5,908,000 |
| Allowance for loan losses | 40,000 | 30,000 | 39,000 | 52,000 |
| Securities available for sale | 14,078,000 | 13,707,000 | 13,604,000 | 14,590,000 |
| Securities held to maturity | 3,403,000 | 3,402,000 | 3,536,000 | 3,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,054,000 | 22,725,000 | 23,049,000 | 23,901,000 |
| Interest-bearing deposits | 17,982,000 | 17,805,000 | 17,708,000 | 18,644,000 |
| Noninterest-bearing deposits | 5,072,000 | 4,920,000 | 5,341,000 | 5,257,000 |
| Equity capital | 4,147,000 | 3,839,000 | 4,119,000 | 3,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 615,000 | 935,000 | 1,258,000 |
| Interest expense | 75,000 | 150,000 | 223,000 | 299,000 |
| Net interest income | 227,000 | 465,000 | 712,000 | 959,000 |
| Noninterest income | 38,000 | 83,000 | 132,000 | 179,000 |
| Noninterest expense | 192,000 | 415,000 | 631,000 | 888,000 |
| Provision for loan losses | 9,000 | 19,000 | 39,000 | 97,000 |
| Pretax income | 66,000 | 116,000 | 176,000 | 155,000 |
| Income tax | 0 | -18,000 | -18,000 | -18,000 |
| Net income | 66,000 | 134,000 | 194,000 | 173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,027,000 | 4,015,000 | 4,075,000 | 3,974,000 |
| Total capital | 4,067,000 | 4,045,000 | 4,114,000 | 4,026,000 |
| Risk-weighted assets | 8,628,000 | 8,655,000 | 8,658,000 | 8,884,000 |