Call reports 2025
GULF COAST BANK AND TRUST COMPANY — 2025
What GULF COAST BANK AND TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 3,418,101,000 | 3,534,323,000 | 3,505,526,000 | 3,630,639,000 |
| Total loans | 2,435,457,000 | 2,534,227,000 | 2,554,004,000 | 2,582,375,000 |
| Allowance for loan losses | 49,419,000 | 49,805,000 | 52,085,000 | 47,029,000 |
| Securities available for sale | 679,911,000 | 702,643,000 | 699,060,000 | 692,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,967,225,000 | 3,083,626,000 | 3,047,663,000 | 3,151,890,000 |
| Interest-bearing deposits | 2,344,855,000 | 2,422,695,000 | 2,414,009,000 | 2,546,490,000 |
| Noninterest-bearing deposits | 622,370,000 | 660,931,000 | 633,654,000 | 605,400,000 |
| Equity capital | 279,349,000 | 291,984,000 | 302,441,000 | 310,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 74,644,000 | 153,142,000 | 233,387,000 | 312,837,000 |
| Interest expense | 19,292,000 | 38,626,000 | 58,194,000 | 76,846,000 |
| Net interest income | 55,352,000 | 114,516,000 | 175,193,000 | 235,991,000 |
| Noninterest income | 10,952,000 | 23,781,000 | 37,968,000 | 49,387,000 |
| Noninterest expense | 50,992,000 | 102,838,000 | 156,562,000 | 212,225,000 |
| Provision for loan losses | 2,560,000 | 6,063,000 | 14,685,000 | 19,859,000 |
| Pretax income | 12,545,000 | 28,542,000 | 40,860,000 | 51,858,000 |
| Income tax | 2,561,000 | 6,194,000 | 9,033,000 | 11,682,000 |
| Net income | 9,984,000 | 22,348,000 | 31,827,000 | 40,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 287,883,000 | 300,989,000 | 312,100,000 | 321,434,000 |
| Total capital | 322,761,000 | 336,976,000 | 345,345,000 | 354,669,000 |
| Risk-weighted assets | 2,775,152,000 | 2,864,791,000 | 2,640,409,000 | 2,644,450,000 |