Call reports 2014
GULF COAST BANK AND TRUST COMPANY — 2014
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,047,477,000 | 1,156,298,000 | 1,197,624,000 | 1,219,842,000 |
| Total loans | 800,677,000 | 862,452,000 | 892,514,000 | 916,189,000 |
| Allowance for loan losses | 10,607,000 | 10,656,000 | 12,497,000 | 10,131,000 |
| Securities available for sale | 178,721,000 | 198,750,000 | 210,185,000 | 216,407,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 911,425,000 | 972,902,000 | 1,007,679,000 | 994,398,000 |
| Interest-bearing deposits | 713,578,000 | 775,031,000 | 787,427,000 | 780,524,000 |
| Noninterest-bearing deposits | 197,847,000 | 197,871,000 | 220,252,000 | 213,874,000 |
| Equity capital | 101,321,000 | 106,569,000 | 109,492,000 | 113,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 17,969,000 | 37,547,000 | 58,771,000 | 79,449,000 |
| Interest expense | 2,094,000 | 4,443,000 | 7,080,000 | 9,846,000 |
| Net interest income | 15,875,000 | 33,104,000 | 51,691,000 | 69,603,000 |
| Noninterest income | 5,502,000 | 10,599,000 | 16,982,000 | 23,433,000 |
| Noninterest expense | 15,321,000 | 29,898,000 | 45,509,000 | 61,722,000 |
| Provision for loan losses | 603,000 | 886,000 | 3,057,000 | 4,049,000 |
| Pretax income | 5,453,000 | 12,904,000 | 20,101,000 | 27,249,000 |
| Income tax | 1,941,000 | 4,369,000 | 6,916,000 | 8,420,000 |
| Net income | 3,512,000 | 8,535,000 | 13,185,000 | 18,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 100,026,000 | 104,052,000 | 107,706,000 | 112,354,000 |
| Total capital | 110,633,000 | 114,708,000 | 119,536,000 | 122,485,000 |
| Risk-weighted assets | 851,407,000 | 927,421,000 | 945,753,000 | 978,975,000 |