Call reports 2015
GULF COAST BANK AND TRUST COMPANY — 2015
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,258,702,000 | 1,318,610,000 | 1,360,740,000 | 1,372,658,000 |
| Total loans | 910,435,000 | 931,610,000 | 1,016,441,000 | 1,023,103,000 |
| Allowance for loan losses | 10,554,000 | 10,150,000 | 10,457,000 | 10,662,000 |
| Securities available for sale | 239,907,000 | 283,284,000 | 247,860,000 | 217,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,087,312,000 | 1,152,954,000 | 1,174,376,000 | 1,209,825,000 |
| Interest-bearing deposits | 858,664,000 | 907,355,000 | 919,748,000 | 942,072,000 |
| Noninterest-bearing deposits | 228,648,000 | 245,599,000 | 254,628,000 | 267,753,000 |
| Equity capital | 115,822,000 | 116,382,000 | 116,683,000 | 114,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 21,020,000 | 40,993,000 | 61,794,000 | 85,306,000 |
| Interest expense | 2,836,000 | 5,881,000 | 9,200,000 | 12,514,000 |
| Net interest income | 18,184,000 | 35,112,000 | 52,594,000 | 72,792,000 |
| Noninterest income | 6,613,000 | 13,802,000 | 21,235,000 | 29,677,000 |
| Noninterest expense | 16,682,000 | 33,430,000 | 50,589,000 | 71,851,000 |
| Provision for loan losses | 285,000 | 451,000 | 1,220,000 | 2,302,000 |
| Pretax income | 7,883,000 | 15,147,000 | 22,124,000 | 28,480,000 |
| Income tax | 2,641,000 | 2,703,000 | 2,469,000 | 2,517,000 |
| Net income | 5,242,000 | 12,444,000 | 19,655,000 | 25,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,929,000 | 116,063,000 | 114,072,000 | 116,534,000 |
| Total capital | 123,483,000 | 126,213,000 | 124,529,000 | 127,196,000 |
| Risk-weighted assets | 976,779,000 | 1,058,733,000 | 1,124,467,000 | 1,101,732,000 |