Call reports 2003
GULF COAST BANK AND TRUST COMPANY — 2003
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 351,757,000 | 351,927,000 | 355,187,000 | 367,875,000 |
| Total loans | 273,968,000 | 283,904,000 | 299,336,000 | 314,547,000 |
| Allowance for loan losses | 4,474,000 | 4,370,000 | 4,210,000 | 4,045,000 |
| Securities available for sale | 35,623,000 | 37,475,000 | 30,115,000 | 25,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,194,000 | 316,932,000 | 318,596,000 | 315,616,000 |
| Interest-bearing deposits | 286,766,000 | 287,182,000 | 285,058,000 | 277,307,000 |
| Noninterest-bearing deposits | 30,428,000 | 29,750,000 | 33,538,000 | 38,309,000 |
| Equity capital | 24,330,000 | 25,227,000 | 26,499,000 | 27,530,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,794,000 | 13,954,000 | 21,690,000 | 29,278,000 |
| Interest expense | 2,188,000 | 4,195,000 | 6,134,000 | 8,011,000 |
| Net interest income | 4,606,000 | 9,759,000 | 15,556,000 | 21,267,000 |
| Noninterest income | 687,000 | 1,236,000 | 2,131,000 | 3,129,000 |
| Noninterest expense | 3,558,000 | 7,273,000 | 11,024,000 | 15,194,000 |
| Provision for loan losses | 629,000 | 629,000 | 736,000 | 1,352,000 |
| Pretax income | 1,104,000 | 3,091,000 | 5,992,000 | 7,859,000 |
| Income tax | 13,000 | 36,000 | 54,000 | 31,000 |
| Net income | 1,129,000 | 3,124,000 | 6,037,000 | 7,956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,872,000 | 24,890,000 | 26,593,000 | 27,483,000 |
| Total capital | 27,158,000 | 28,295,000 | 30,153,000 | 31,197,000 |
| Risk-weighted assets | 261,645,000 | 271,458,000 | 284,116,000 | 296,761,000 |
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