Call reports 2020
GOLD COAST BANK — 2020
What GOLD COAST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 370,790,000 | 401,377,000 | 397,487,000 | 404,159,000 |
| Total loans | 281,267,000 | 284,362,000 | 295,919,000 | 311,176,000 |
| Allowance for loan losses | 11,398,000 | 11,998,000 | 12,661,000 | 13,634,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,750,000 | 339,741,000 | 334,776,000 | 341,938,000 |
| Interest-bearing deposits | 289,291,000 | 313,265,000 | 308,642,000 | 315,385,000 |
| Noninterest-bearing deposits | 19,459,000 | 26,476,000 | 26,134,000 | 26,553,000 |
| Equity capital | 47,442,000 | 47,179,000 | 47,547,000 | 48,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,434,000 | 8,433,000 | 12,482,000 | 16,824,000 |
| Interest expense | 1,651,000 | 3,188,000 | 4,568,000 | 5,764,000 |
| Net interest income | 2,783,000 | 5,245,000 | 7,914,000 | 11,060,000 |
| Noninterest income | 1,306,000 | 2,764,000 | 4,938,000 | 7,733,000 |
| Noninterest expense | 2,958,000 | 6,499,000 | 10,250,000 | 14,619,000 |
| Provision for loan losses | 0 | 600,000 | 1,200,000 | 1,800,000 |
| Pretax income | 1,131,000 | 910,000 | 1,402,000 | 2,374,000 |
| Income tax | 333,000 | 382,000 | 513,000 | 686,000 |
| Net income | 798,000 | 528,000 | 889,000 | 1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,442,000 | 47,178,000 | 47,546,000 | 48,353,000 |