Call reports 2016
GOLD COAST BANK — 2016
What GOLD COAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 350,488,000 | 367,268,000 | 370,463,000 | 372,392,000 |
| Total loans | 294,837,000 | 307,744,000 | 329,949,000 | 311,687,000 |
| Allowance for loan losses | 8,507,000 | 9,471,000 | 10,074,000 | 9,361,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,020,000 | 313,493,000 | 317,220,000 | 322,299,000 |
| Interest-bearing deposits | 280,942,000 | 298,504,000 | 301,940,000 | 305,803,000 |
| Noninterest-bearing deposits | 16,078,000 | 14,989,000 | 15,280,000 | 16,496,000 |
| Equity capital | 39,223,000 | 40,155,000 | 41,513,000 | 42,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,052,000 | 8,434,000 | 13,215,000 | 17,784,000 |
| Interest expense | 846,000 | 1,788,000 | 2,744,000 | 3,726,000 |
| Net interest income | 3,206,000 | 6,646,000 | 10,471,000 | 14,058,000 |
| Noninterest income | 378,000 | 543,000 | 1,563,000 | 2,002,000 |
| Noninterest expense | 1,694,000 | 3,163,000 | 5,175,000 | 7,331,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,800,000 | 2,400,000 |
| Pretax income | 1,290,000 | 2,826,000 | 5,059,000 | 6,329,000 |
| Income tax | 508,000 | 1,112,000 | 1,987,000 | 2,486,000 |
| Net income | 782,000 | 1,714,000 | 3,072,000 | 3,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,223,000 | 40,155,000 | 41,513,000 | 42,284,000 |
| Total capital | 42,640,000 | 43,631,000 | 45,097,000 | 45,706,000 |
| Risk-weighted assets | 268,284,000 | 272,039,000 | 280,214,000 | 267,772,000 |