Call reports 2016
GULF COAST BANK AND TRUST COMPANY — 2016
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,373,361,000 | 1,437,114,000 | 1,483,228,000 | 1,529,736,000 |
| Total loans | 1,039,988,000 | 1,109,797,000 | 1,173,117,000 | 1,192,564,000 |
| Allowance for loan losses | 10,848,000 | 11,687,000 | 12,962,000 | 10,455,000 |
| Securities available for sale | 192,066,000 | 193,504,000 | 187,872,000 | 171,082,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 494,000 | 438,000 |
| Total deposits | 1,212,577,000 | 1,266,295,000 | 1,288,412,000 | 1,345,430,000 |
| Interest-bearing deposits | 933,413,000 | 980,137,000 | 982,292,000 | 1,043,011,000 |
| Noninterest-bearing deposits | 279,164,000 | 286,158,000 | 306,120,000 | 302,419,000 |
| Equity capital | 117,265,000 | 124,352,000 | 127,540,000 | 128,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 20,911,000 | 43,748,000 | 68,029,000 | 93,528,000 |
| Interest expense | 3,151,000 | 6,348,000 | 9,848,000 | 13,346,000 |
| Net interest income | 17,760,000 | 37,400,000 | 58,181,000 | 80,182,000 |
| Noninterest income | 6,631,000 | 15,822,000 | 23,591,000 | 31,763,000 |
| Noninterest expense | 19,291,000 | 39,963,000 | 60,777,000 | 83,458,000 |
| Provision for loan losses | 524,000 | 1,844,000 | 4,087,000 | 4,089,000 |
| Pretax income | 4,662,000 | 11,595,000 | 17,078,000 | 24,500,000 |
| Income tax | 30,000 | 38,000 | 38,000 | 102,000 |
| Net income | 4,632,000 | 11,557,000 | 17,040,000 | 24,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,631,000 | 119,009,000 | 120,613,000 | 125,195,000 |
| Total capital | 126,479,000 | 130,696,000 | 133,575,000 | 135,650,000 |
| Risk-weighted assets | 1,090,171,000 | 1,139,059,000 | 1,194,882,000 | 1,199,288,000 |