Call reports 2006
GULF COAST BANK AND TRUST COMPANY — 2006
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 694,443,000 | 671,477,000 | 637,301,000 | 661,039,000 |
| Total loans | 486,457,000 | 500,372,000 | 507,218,000 | 519,885,000 |
| Allowance for loan losses | 13,210,000 | 12,269,000 | 8,585,000 | 8,129,000 |
| Securities available for sale | 90,005,000 | 87,939,000 | 85,927,000 | 78,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 649,242,000 | 622,485,000 | 578,538,000 | 600,205,000 |
| Interest-bearing deposits | 541,027,000 | 515,280,000 | 483,933,000 | 509,976,000 |
| Noninterest-bearing deposits | 108,215,000 | 107,205,000 | 94,605,000 | 90,229,000 |
| Equity capital | 31,984,000 | 35,676,000 | 38,759,000 | 41,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 13,141,000 | 27,249,000 | 41,328,000 | 55,174,000 |
| Interest expense | 4,015,000 | 8,082,000 | 12,108,000 | 16,392,000 |
| Net interest income | 9,126,000 | 19,167,000 | 29,220,000 | 38,782,000 |
| Noninterest income | 899,000 | 2,343,000 | 3,807,000 | 5,492,000 |
| Noninterest expense | 6,597,000 | 13,731,000 | 20,632,000 | 27,686,000 |
| Provision for loan losses | 232,000 | 232,000 | 232,000 | 232,000 |
| Pretax income | 3,198,000 | 7,549,000 | 12,164,000 | 16,386,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,188,000 | 7,537,000 | 12,145,000 | 16,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,125,000 | 38,476,000 | 40,103,000 | 42,691,000 |
| Total capital | 40,098,000 | 44,428,000 | 45,870,000 | 48,456,000 |
| Risk-weighted assets | 470,621,000 | 469,810,000 | 458,495,000 | 458,786,000 |
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