Call reports 2005
GULF COAST BANK AND TRUST COMPANY — 2005
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 523,945,000 | 551,579,000 | 605,620,000 | 664,496,000 |
| Total loans | 394,824,000 | 417,678,000 | 457,304,000 | 476,398,000 |
| Allowance for loan losses | 4,975,000 | 5,196,000 | 7,082,000 | 12,849,000 |
| Securities available for sale | 87,700,000 | 86,653,000 | 85,870,000 | 86,332,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,092,000 | 502,423,000 | 524,547,000 | 622,009,000 |
| Interest-bearing deposits | 419,746,000 | 456,138,000 | 474,222,000 | 534,126,000 |
| Noninterest-bearing deposits | 45,346,000 | 46,285,000 | 50,325,000 | 87,883,000 |
| Equity capital | 33,984,000 | 35,340,000 | 36,443,000 | 28,870,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 9,689,000 | 20,368,000 | 31,412,000 | 43,067,000 |
| Interest expense | 2,657,000 | 5,738,000 | 9,054,000 | 13,009,000 |
| Net interest income | 7,032,000 | 14,630,000 | 22,358,000 | 30,058,000 |
| Noninterest income | 1,034,000 | 1,463,000 | 1,876,000 | 2,372,000 |
| Noninterest expense | 5,001,000 | 10,032,000 | 14,787,000 | 20,302,000 |
| Provision for loan losses | 333,000 | 1,036,000 | 2,943,000 | 11,821,000 |
| Pretax income | 2,700,000 | 5,001,000 | 6,479,000 | 282,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 16,000 |
| Net income | 2,686,000 | 5,099,000 | 6,580,000 | 377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,644,000 | 35,965,000 | 37,124,000 | 30,927,000 |
| Total capital | 39,432,000 | 41,015,000 | 42,707,000 | 36,824,000 |
| Risk-weighted assets | 382,807,000 | 403,845,000 | 445,114,000 | 464,832,000 |
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