Call reports 2012
GULF COAST BANK AND TRUST COMPANY — 2012
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 914,090,000 | 904,633,000 | 926,244,000 | 938,609,000 |
| Total loans | 657,823,000 | 690,012,000 | 698,640,000 | 704,348,000 |
| Allowance for loan losses | 10,997,000 | 11,330,000 | 11,186,000 | 11,080,000 |
| Securities available for sale | 139,579,000 | 131,696,000 | 123,568,000 | 129,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 776,745,000 | 773,627,000 | 788,909,000 | 804,318,000 |
| Interest-bearing deposits | 611,592,000 | 605,324,000 | 616,235,000 | 622,145,000 |
| Noninterest-bearing deposits | 165,153,000 | 168,303,000 | 172,674,000 | 182,173,000 |
| Equity capital | 79,591,000 | 80,675,000 | 85,505,000 | 88,644,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,521,000 | 31,017,000 | 47,570,000 | 63,810,000 |
| Interest expense | 2,967,000 | 5,780,000 | 8,436,000 | 10,963,000 |
| Net interest income | 12,554,000 | 25,237,000 | 39,134,000 | 52,847,000 |
| Noninterest income | 3,537,000 | 7,959,000 | 12,661,000 | 18,972,000 |
| Noninterest expense | 12,583,000 | 25,710,000 | 38,093,000 | 52,392,000 |
| Provision for loan losses | 968,000 | 3,075,000 | 3,380,000 | 4,104,000 |
| Pretax income | 2,479,000 | 4,427,000 | 10,210,000 | 15,181,000 |
| Income tax | 886,000 | 1,718,000 | 4,007,000 | 5,644,000 |
| Net income | 1,593,000 | 2,709,000 | 6,203,000 | 9,537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,962,000 | 79,078,000 | 82,572,000 | 85,906,000 |
| Total capital | 86,374,000 | 87,767,000 | 91,270,000 | 94,661,000 |
| Risk-weighted assets | 670,408,000 | 692,486,000 | 693,363,000 | 698,081,000 |