Call reports 2007
GULF COAST BANK AND TRUST COMPANY — 2007
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 667,988,000 | 712,315,000 | 729,487,000 | 785,833,000 |
| Total loans | 543,997,000 | 557,643,000 | 604,288,000 | 623,217,000 |
| Allowance for loan losses | 7,023,000 | 7,861,000 | 8,168,000 | 8,174,000 |
| Securities available for sale | 75,414,000 | 75,179,000 | 72,890,000 | 70,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 605,394,000 | 650,141,000 | 663,053,000 | 716,833,000 |
| Interest-bearing deposits | 518,953,000 | 568,290,000 | 582,935,000 | 638,572,000 |
| Noninterest-bearing deposits | 86,441,000 | 81,851,000 | 80,118,000 | 78,261,000 |
| Equity capital | 44,103,000 | 45,655,000 | 48,715,000 | 52,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 14,884,000 | 30,434,000 | 47,581,000 | 64,830,000 |
| Interest expense | 4,685,000 | 10,123,000 | 15,996,000 | 21,892,000 |
| Net interest income | 10,199,000 | 20,311,000 | 31,585,000 | 42,938,000 |
| Noninterest income | 1,343,000 | 3,498,000 | 6,184,000 | 8,781,000 |
| Noninterest expense | 7,546,000 | 16,385,000 | 25,611,000 | 35,690,000 |
| Provision for loan losses | 347,000 | 347,000 | 347,000 | 523,000 |
| Pretax income | 3,650,000 | 7,078,000 | 11,812,000 | 15,507,000 |
| Income tax | 7,000 | 7,000 | 7,000 | 7,000 |
| Net income | 3,645,000 | 7,072,000 | 11,773,000 | 15,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,192,000 | 47,003,000 | 49,732,000 | 52,536,000 |
| Total capital | 51,475,000 | 53,481,000 | 56,710,000 | 59,956,000 |
| Risk-weighted assets | 501,884,000 | 516,894,000 | 557,050,000 | 592,821,000 |
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