Call reports 2013
GULF COAST BANK AND TRUST COMPANY — 2013
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 940,325,000 | 974,708,000 | 981,545,000 | 982,471,000 |
| Total loans | 696,749,000 | 731,396,000 | 735,817,000 | 752,860,000 |
| Allowance for loan losses | 10,903,000 | 10,409,000 | 10,251,000 | 10,288,000 |
| Securities available for sale | 142,611,000 | 155,555,000 | 160,873,000 | 157,774,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 813,218,000 | 839,300,000 | 856,549,000 | 845,205,000 |
| Interest-bearing deposits | 634,965,000 | 641,010,000 | 658,552,000 | 652,827,000 |
| Noninterest-bearing deposits | 178,253,000 | 198,290,000 | 197,997,000 | 192,378,000 |
| Equity capital | 90,843,000 | 93,297,000 | 96,404,000 | 98,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,381,000 | 31,401,000 | 48,079,000 | 65,505,000 |
| Interest expense | 2,371,000 | 4,584,000 | 6,724,000 | 8,777,000 |
| Net interest income | 13,010,000 | 26,817,000 | 41,355,000 | 56,728,000 |
| Noninterest income | 6,607,000 | 13,824,000 | 20,994,000 | 26,090,000 |
| Noninterest expense | 14,475,000 | 28,757,000 | 43,480,000 | 57,425,000 |
| Provision for loan losses | 417,000 | 417,000 | 1,323,000 | 3,426,000 |
| Pretax income | 4,729,000 | 11,471,000 | 17,550,000 | 22,007,000 |
| Income tax | 1,727,000 | 4,024,000 | 6,054,000 | 7,681,000 |
| Net income | 3,002,000 | 7,447,000 | 11,496,000 | 14,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,178,000 | 92,623,000 | 95,676,000 | 97,510,000 |
| Total capital | 97,042,000 | 102,020,000 | 105,261,000 | 107,342,000 |
| Risk-weighted assets | 707,041,000 | 750,723,000 | 766,167,000 | 786,090,000 |