Call reports 2011
GULF COAST BANK AND TRUST COMPANY — 2011
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 894,684,000 | 882,480,000 | 880,351,000 | 881,144,000 |
| Total loans | 652,561,000 | 658,307,000 | 641,809,000 | 656,151,000 |
| Allowance for loan losses | 10,142,000 | 13,980,000 | 11,835,000 | 11,411,000 |
| Securities available for sale | 121,719,000 | 122,369,000 | 130,839,000 | 137,927,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,464,000 | 733,178,000 | 735,591,000 | 740,235,000 |
| Interest-bearing deposits | 594,767,000 | 574,096,000 | 572,665,000 | 584,553,000 |
| Noninterest-bearing deposits | 147,697,000 | 159,082,000 | 162,926,000 | 155,682,000 |
| Equity capital | 75,108,000 | 75,884,000 | 75,465,000 | 76,218,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 15,474,000 | 30,433,000 | 45,556,000 | 60,956,000 |
| Interest expense | 3,450,000 | 6,797,000 | 9,994,000 | 13,113,000 |
| Net interest income | 12,024,000 | 23,636,000 | 35,562,000 | 47,843,000 |
| Noninterest income | 3,356,000 | 10,894,000 | 17,146,000 | 21,850,000 |
| Noninterest expense | 11,865,000 | 23,944,000 | 36,441,000 | 50,074,000 |
| Provision for loan losses | 473,000 | 5,516,000 | 7,284,000 | 9,325,000 |
| Pretax income | 3,043,000 | 5,310,000 | 9,223,000 | 10,262,000 |
| Income tax | 1,030,000 | 1,249,000 | 3,424,000 | 3,422,000 |
| Net income | 2,061,000 | 2,317,000 | 3,896,000 | 5,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,237,000 | 74,493,000 | 75,174,000 | 76,369,000 |
| Total capital | 82,063,000 | 82,347,000 | 83,138,000 | 84,717,000 |
| Risk-weighted assets | 623,724,000 | 622,162,000 | 633,233,000 | 664,812,000 |