Call reports 2009
GOLD COAST BANK — 2009
What GOLD COAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 109,194,000 | 124,135,000 | 139,922,000 | 153,836,000 |
| Total loans | 98,708,000 | 116,644,000 | 128,179,000 | 141,556,000 |
| Allowance for loan losses | 1,995,000 | 2,445,000 | 3,195,000 | 3,945,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,499,000 | 108,182,000 | 120,222,000 | 132,005,000 |
| Interest-bearing deposits | 97,282,000 | 104,213,000 | 114,120,000 | 124,986,000 |
| Noninterest-bearing deposits | 2,217,000 | 3,969,000 | 6,102,000 | 7,019,000 |
| Equity capital | 9,240,000 | 15,444,000 | 15,588,000 | 15,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,662,000 | 3,594,000 | 5,776,000 | 8,157,000 |
| Interest expense | 696,000 | 1,386,000 | 2,086,000 | 2,785,000 |
| Net interest income | 966,000 | 2,208,000 | 3,690,000 | 5,372,000 |
| Noninterest income | 9,000 | 21,000 | 36,000 | 52,000 |
| Noninterest expense | 505,000 | 1,024,000 | 1,586,000 | 2,191,000 |
| Provision for loan losses | 405,000 | 855,000 | 1,605,000 | 2,355,000 |
| Pretax income | 65,000 | 350,000 | 535,000 | 878,000 |
| Income tax | 31,000 | 150,000 | 229,000 | 370,000 |
| Net income | 34,000 | 200,000 | 306,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,240,000 | 15,444,000 | 15,588,000 | 15,828,000 |
| Total capital | 10,252,000 | 16,671,000 | 16,997,000 | 17,415,000 |
| Risk-weighted assets | 79,981,000 | 96,907,000 | 110,962,000 | 124,640,000 |
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