Call reports 2004
GULF COAST BANK AND TRUST COMPANY — 2004
What GULF COAST BANK AND TRUST COMPANY 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 | 388,122,000 | 397,609,000 | 473,802,000 | 525,561,000 |
| Total loans | 325,907,000 | 346,028,000 | 365,942,000 | 386,326,000 |
| Allowance for loan losses | 4,323,000 | 4,457,000 | 4,616,000 | 4,622,000 |
| Securities available for sale | 24,878,000 | 29,731,000 | 81,237,000 | 111,371,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,660,000 | 347,655,000 | 425,842,000 | 469,518,000 |
| Interest-bearing deposits | 300,866,000 | 306,135,000 | 386,318,000 | 430,160,000 |
| Noninterest-bearing deposits | 38,794,000 | 41,520,000 | 39,524,000 | 39,358,000 |
| Equity capital | 28,884,000 | 29,793,000 | 32,065,000 | 33,273,000 |
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 | 7,688,000 | 15,488,000 | 24,274,000 | 33,773,000 |
| Interest expense | 1,871,000 | 3,798,000 | 6,040,000 | 8,555,000 |
| Net interest income | 5,817,000 | 11,690,000 | 18,234,000 | 25,218,000 |
| Noninterest income | 1,014,000 | 2,110,000 | 3,073,000 | 3,930,000 |
| Noninterest expense | 4,293,000 | 8,458,000 | 12,788,000 | 17,692,000 |
| Provision for loan losses | 435,000 | 826,000 | 1,003,000 | 1,598,000 |
| Pretax income | 2,101,000 | 4,450,000 | 7,448,000 | 9,770,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,080,000 | 4,443,000 | 7,451,000 | 9,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,848,000 | 30,075,000 | 31,651,000 | 33,355,000 |
| Total capital | 32,694,000 | 34,095,000 | 36,018,000 | 37,976,000 |
| Risk-weighted assets | 307,147,000 | 321,170,000 | 349,073,000 | 369,646,000 |
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