Call reports 2025
GOLD COAST BANK — 2025
What GOLD COAST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 451,442,000 | 452,924,000 | 451,797,000 | 459,640,000 |
| Total loans | 353,587,000 | 342,075,000 | 335,452,000 | 325,641,000 |
| Allowance for loan losses | 13,533,000 | 13,233,000 | 12,933,000 | 12,633,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,132,000 | 356,886,000 | 354,557,000 | 363,432,000 |
| Interest-bearing deposits | 339,886,000 | 340,368,000 | 335,726,000 | 345,394,000 |
| Noninterest-bearing deposits | 17,246,000 | 16,518,000 | 18,831,000 | 18,038,000 |
| Equity capital | 62,282,000 | 63,909,000 | 65,598,000 | 67,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,808,000 | 15,694,000 | 23,586,000 | 31,076,000 |
| Interest expense | 3,988,000 | 7,835,000 | 11,646,000 | 15,354,000 |
| Net interest income | 3,820,000 | 7,859,000 | 11,940,000 | 15,722,000 |
| Noninterest income | 569,000 | 1,197,000 | 1,711,000 | 2,665,000 |
| Noninterest expense | 2,567,000 | 5,251,000 | 7,779,000 | 10,649,000 |
| Provision for loan losses | -300,000 | -600,000 | -900,000 | -1,200,000 |
| Pretax income | 2,122,000 | 4,405,000 | 6,772,000 | 8,938,000 |
| Income tax | 611,000 | 1,272,000 | 1,957,000 | 2,672,000 |
| Net income | 1,511,000 | 3,133,000 | 4,815,000 | 6,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,282,000 | 63,909,000 | 65,598,000 | 67,054,000 |