Call reports 2010
GULF COAST BANK AND TRUST COMPANY — 2010
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,034,927,000 | 914,051,000 | 902,384,000 | 890,126,000 |
| Total loans | 700,724,000 | 701,078,000 | 702,081,000 | 666,955,000 |
| Allowance for loan losses | 9,771,000 | 8,220,000 | 10,298,000 | 11,039,000 |
| Securities available for sale | 185,793,000 | 98,464,000 | 82,087,000 | 88,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 874,509,000 | 756,101,000 | 742,075,000 | 737,352,000 |
| Interest-bearing deposits | 766,242,000 | 650,884,000 | 632,272,000 | 616,469,000 |
| Noninterest-bearing deposits | 108,267,000 | 105,217,000 | 109,803,000 | 120,883,000 |
| Equity capital | 64,858,000 | 68,202,000 | 72,421,000 | 72,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 18,170,000 | 36,267,000 | 53,168,000 | 72,211,000 |
| Interest expense | 4,937,000 | 9,754,000 | 14,233,000 | 18,288,000 |
| Net interest income | 13,233,000 | 26,513,000 | 38,935,000 | 53,923,000 |
| Noninterest income | 3,092,000 | 7,460,000 | 10,087,000 | 13,403,000 |
| Noninterest expense | 11,997,000 | 25,372,000 | 37,156,000 | 50,216,000 |
| Provision for loan losses | 1,441,000 | 2,096,000 | 6,135,000 | 9,656,000 |
| Pretax income | 2,887,000 | 7,849,000 | 7,212,000 | 9,018,000 |
| Income tax | 0 | 0 | -1,856,000 | -1,806,000 |
| Net income | 2,261,000 | 6,764,000 | 7,683,000 | 8,143,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,269,000 | 67,590,000 | 71,689,000 | 72,176,000 |
| Total capital | 71,102,000 | 75,377,000 | 79,863,000 | 79,992,000 |
| Risk-weighted assets | 624,682,000 | 622,493,000 | 651,762,000 | 622,093,000 |