Call reports 2012
GOLD COAST BANK — 2012
What GOLD COAST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 217,157,000 | 231,345,000 | 251,067,000 | 262,787,000 |
| Total loans | 196,258,000 | 203,388,000 | 228,038,000 | 243,008,000 |
| Allowance for loan losses | 8,589,000 | 8,157,000 | 7,779,000 | 8,029,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,100,000 | 198,816,000 | 213,940,000 | 224,659,000 |
| Interest-bearing deposits | 177,184,000 | 182,510,000 | 198,290,000 | 210,214,000 |
| Noninterest-bearing deposits | 7,916,000 | 16,306,000 | 15,650,000 | 14,445,000 |
| Equity capital | 20,651,000 | 21,172,000 | 22,061,000 | 23,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,978,000 | 6,112,000 | 9,449,000 | 13,126,000 |
| Interest expense | 595,000 | 1,168,000 | 1,760,000 | 2,365,000 |
| Net interest income | 2,383,000 | 4,944,000 | 7,689,000 | 10,761,000 |
| Noninterest income | 764,000 | 720,000 | 1,337,000 | 1,697,000 |
| Noninterest expense | 1,655,000 | 2,939,000 | 4,506,000 | 5,953,000 |
| Provision for loan losses | 600,000 | 1,000,000 | 1,300,000 | 1,600,000 |
| Pretax income | 892,000 | 1,725,000 | 3,220,000 | 4,905,000 |
| Income tax | 369,000 | 711,000 | 1,320,000 | 1,995,000 |
| Net income | 523,000 | 1,014,000 | 1,900,000 | 2,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,651,000 | 21,172,000 | 22,061,000 | 23,074,000 |
| Total capital | 22,720,000 | 23,340,000 | 24,497,000 | 25,640,000 |
| Risk-weighted assets | 158,972,000 | 167,437,000 | 189,553,000 | 199,837,000 |
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