Call reports 2017
GULF COAST BANK AND TRUST COMPANY — 2017
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,564,003,000 | 1,660,174,000 | 1,632,046,000 | 1,612,424,000 |
| Total loans | 1,241,039,000 | 1,299,398,000 | 1,298,923,000 | 1,327,174,000 |
| Allowance for loan losses | 10,315,000 | 10,950,000 | 11,576,000 | 10,680,000 |
| Securities available for sale | 159,734,000 | 161,411,000 | 162,422,000 | 127,562,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,376,255,000 | 1,483,264,000 | 1,449,335,000 | 1,414,718,000 |
| Interest-bearing deposits | 1,059,509,000 | 1,154,502,000 | 1,128,618,000 | 1,104,897,000 |
| Noninterest-bearing deposits | 316,746,000 | 328,762,000 | 320,717,000 | 309,821,000 |
| Equity capital | 132,002,000 | 135,808,000 | 139,047,000 | 138,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 26,513,000 | 56,617,000 | 86,836,000 | 117,516,000 |
| Interest expense | 3,297,000 | 6,880,000 | 10,614,000 | 14,202,000 |
| Net interest income | 23,216,000 | 49,737,000 | 76,222,000 | 103,314,000 |
| Noninterest income | 8,295,000 | 18,130,000 | 25,132,000 | 33,175,000 |
| Noninterest expense | 24,487,000 | 49,514,000 | 72,855,000 | 99,137,000 |
| Provision for loan losses | 54,000 | 2,425,000 | 3,941,000 | 9,959,000 |
| Pretax income | 6,997,000 | 15,942,000 | 24,587,000 | 27,727,000 |
| Income tax | 25,000 | 59,000 | 84,000 | 94,000 |
| Net income | 6,972,000 | 15,883,000 | 24,503,000 | 27,633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 125,021,000 | 129,118,000 | 132,340,000 | 133,330,000 |
| Total capital | 135,336,000 | 140,068,000 | 143,916,000 | 144,010,000 |
| Risk-weighted assets | 1,252,366,000 | 1,285,559,000 | 1,290,612,000 | 1,294,001,000 |