Call reports 2018
GULF COAST BANK AND TRUST COMPANY — 2018
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,602,430,000 | 1,680,792,000 | 1,703,140,000 | 1,701,434,000 |
| Total loans | 1,287,391,000 | 1,394,691,000 | 1,416,410,000 | 1,394,977,000 |
| Allowance for loan losses | 11,215,000 | 11,446,000 | 12,239,000 | 14,360,000 |
| Securities available for sale | 124,203,000 | 131,817,000 | 130,302,000 | 133,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,424,341,000 | 1,510,996,000 | 1,518,376,000 | 1,520,581,000 |
| Interest-bearing deposits | 1,121,666,000 | 1,194,213,000 | 1,234,292,000 | 1,454,923,000 |
| Noninterest-bearing deposits | 302,675,000 | 316,783,000 | 284,084,000 | 65,658,000 |
| Equity capital | 140,020,000 | 142,971,000 | 148,114,000 | 148,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 30,698,000 | 64,125,000 | 100,244,000 | 137,686,000 |
| Interest expense | 3,591,000 | 7,469,000 | 11,979,000 | 16,537,000 |
| Net interest income | 27,107,000 | 56,656,000 | 88,265,000 | 121,149,000 |
| Noninterest income | 9,419,000 | 18,296,000 | 27,586,000 | 36,629,000 |
| Noninterest expense | 28,547,000 | 57,722,000 | 87,602,000 | 119,118,000 |
| Provision for loan losses | 842,000 | 2,720,000 | 4,337,000 | 10,621,000 |
| Pretax income | 7,136,000 | 14,412,000 | 23,834,000 | 27,961,000 |
| Income tax | 30,000 | 306,000 | 438,000 | 481,000 |
| Net income | 7,106,000 | 14,106,000 | 23,396,000 | 27,480,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,793,000 | 136,889,000 | 143,414,000 | 145,265,000 |
| Total capital | 147,008,000 | 148,335,000 | 155,653,000 | 159,625,000 |
| Risk-weighted assets | 1,266,230,000 | 1,349,489,000 | 1,416,048,000 | 1,403,596,000 |