Call reports 2009
GULF COAST BANK AND TRUST COMPANY — 2009
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 964,951,000 | 1,033,846,000 | 1,062,390,000 | 984,133,000 |
| Total loans | 763,198,000 | 760,658,000 | 728,097,000 | 722,488,000 |
| Allowance for loan losses | 9,173,000 | 8,969,000 | 9,642,000 | 10,160,000 |
| Securities available for sale | 69,179,000 | 76,678,000 | 155,731,000 | 168,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,250,000 | 868,341,000 | 899,605,000 | 823,803,000 |
| Interest-bearing deposits | 718,461,000 | 782,644,000 | 789,273,000 | 711,947,000 |
| Noninterest-bearing deposits | 81,789,000 | 85,697,000 | 110,332,000 | 111,856,000 |
| Equity capital | 61,286,000 | 62,937,000 | 64,449,000 | 62,468,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 17,620,000 | 36,453,000 | 54,545,000 | 71,145,000 |
| Interest expense | 5,815,000 | 11,634,000 | 17,512,000 | 22,926,000 |
| Net interest income | 11,805,000 | 24,819,000 | 37,033,000 | 48,219,000 |
| Noninterest income | 2,458,000 | 5,280,000 | 8,475,000 | 12,393,000 |
| Noninterest expense | 11,626,000 | 24,672,000 | 35,707,000 | 45,472,000 |
| Provision for loan losses | 1,813,000 | 3,389,000 | 5,282,000 | 11,967,000 |
| Pretax income | 822,000 | 2,036,000 | 4,517,000 | 3,633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 817,000 | 2,030,000 | 4,511,000 | 3,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,692,000 | 61,906,000 | 63,671,000 | 61,542,000 |
| Total capital | 69,058,000 | 70,227,000 | 71,755,000 | 69,519,000 |
| Risk-weighted assets | 668,453,000 | 665,054,000 | 645,136,000 | 635,976,000 |
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