Call reports 2019
GULF COAST BANK AND TRUST COMPANY — 2019
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,724,001,000 | 1,773,174,000 | 1,862,276,000 | 1,820,602,000 |
| Total loans | 1,376,220,000 | 1,424,182,000 | 1,426,103,000 | 1,426,526,000 |
| Allowance for loan losses | 14,893,000 | 15,393,000 | 18,608,000 | 18,896,000 |
| Securities available for sale | 150,557,000 | 164,620,000 | 191,171,000 | 196,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,526,185,000 | 1,572,359,000 | 1,652,731,000 | 1,609,550,000 |
| Interest-bearing deposits | 1,436,532,000 | 1,484,436,000 | 1,555,387,000 | 1,501,064,000 |
| Noninterest-bearing deposits | 89,653,000 | 87,923,000 | 97,344,000 | 108,486,000 |
| Equity capital | 159,413,000 | 162,803,000 | 167,154,000 | 168,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 36,934,000 | 71,840,000 | 109,505,000 | 146,696,000 |
| Interest expense | 4,744,000 | 9,936,000 | 15,555,000 | 21,093,000 |
| Net interest income | 32,190,000 | 61,904,000 | 93,950,000 | 125,603,000 |
| Noninterest income | 9,241,000 | 17,950,000 | 27,837,000 | 37,903,000 |
| Noninterest expense | 30,926,000 | 63,065,000 | 93,228,000 | 124,970,000 |
| Provision for loan losses | 156,000 | 1,180,000 | 4,819,000 | 7,750,000 |
| Pretax income | 10,356,000 | 15,604,000 | 23,725,000 | 30,771,000 |
| Income tax | -1,083,000 | 221,000 | 1,885,000 | 3,670,000 |
| Net income | 11,439,000 | 15,383,000 | 21,840,000 | 27,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,505,000 | 158,844,000 | 163,895,000 | 165,527,000 |
| Total capital | 170,398,000 | 174,237,000 | 182,503,000 | 184,320,000 |
| Risk-weighted assets | 1,434,873,000 | 1,483,606,000 | 1,498,864,000 | 1,503,358,000 |