Call reports 2015
GOLD COAST BANK — 2015
What GOLD COAST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 353,515,000 | 351,181,000 | 346,555,000 | 335,358,000 |
| Total loans | 293,054,000 | 294,459,000 | 294,384,000 | 296,349,000 |
| Allowance for loan losses | 8,238,000 | 8,239,000 | 8,239,000 | 7,871,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 302,004,000 | 298,842,000 | 292,618,000 | 282,360,000 |
| Interest-bearing deposits | 283,500,000 | 275,239,000 | 269,052,000 | 264,775,000 |
| Noninterest-bearing deposits | 18,504,000 | 23,603,000 | 23,566,000 | 17,585,000 |
| Equity capital | 34,474,000 | 35,761,000 | 37,031,000 | 38,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,063,000 | 8,149,000 | 12,211,000 | 16,620,000 |
| Interest expense | 755,000 | 1,532,000 | 2,326,000 | 3,153,000 |
| Net interest income | 3,308,000 | 6,617,000 | 9,885,000 | 13,467,000 |
| Noninterest income | 225,000 | 659,000 | 1,211,000 | 1,611,000 |
| Noninterest expense | 1,433,000 | 3,057,000 | 4,785,000 | 6,450,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,100,000 | 4,219,000 | 6,311,000 | 8,628,000 |
| Income tax | 814,000 | 1,646,000 | 2,468,000 | 3,376,000 |
| Net income | 1,286,000 | 2,573,000 | 3,843,000 | 5,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,474,000 | 35,761,000 | 37,031,000 | 38,441,000 |
| Total capital | 37,741,000 | 39,062,000 | 40,379,000 | 41,803,000 |
| Risk-weighted assets | 256,360,000 | 259,186,000 | 262,949,000 | 264,403,000 |