Call reports 2008
GULF COAST BANK AND TRUST COMPANY — 2008
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 796,092,000 | 818,569,000 | 884,588,000 | 935,627,000 |
| Total loans | 643,724,000 | 693,280,000 | 733,267,000 | 745,097,000 |
| Allowance for loan losses | 8,635,000 | 8,250,000 | 9,652,000 | 8,891,000 |
| Securities available for sale | 75,012,000 | 58,305,000 | 57,183,000 | 75,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 725,068,000 | 715,052,000 | 728,987,000 | 764,576,000 |
| Interest-bearing deposits | 641,736,000 | 633,684,000 | 646,762,000 | 688,266,000 |
| Noninterest-bearing deposits | 83,332,000 | 81,368,000 | 82,225,000 | 76,310,000 |
| Equity capital | 54,700,000 | 58,025,000 | 61,959,000 | 60,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 16,616,000 | 34,109,000 | 52,508,000 | 70,330,000 |
| Interest expense | 5,934,000 | 11,022,000 | 16,823,000 | 23,030,000 |
| Net interest income | 10,682,000 | 23,087,000 | 35,685,000 | 47,300,000 |
| Noninterest income | 2,548,000 | 5,620,000 | 8,247,000 | 10,619,000 |
| Noninterest expense | 10,167,000 | 21,105,000 | 31,838,000 | 43,605,000 |
| Provision for loan losses | 0 | 122,000 | 122,000 | 2,261,000 |
| Pretax income | 3,063,000 | 7,482,000 | 11,969,000 | 12,050,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,059,000 | 7,470,000 | 11,953,000 | 12,028,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,536,000 | 58,105,000 | 62,247,000 | 60,814,000 |
| Total capital | 62,201,000 | 66,215,000 | 70,830,000 | 69,359,000 |
| Risk-weighted assets | 612,260,000 | 648,662,000 | 685,537,000 | 683,222,000 |
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