Call reports 2002
GULF COAST BANK — 2002
What GULF COAST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 150,385,000 | 151,615,000 | 153,400,000 | 160,270,000 |
| Total loans | 71,610,000 | 75,367,000 | 79,268,000 | 78,783,000 |
| Allowance for loan losses | 596,000 | 681,000 | 762,000 | 778,000 |
| Securities available for sale | 45,889,000 | 52,049,000 | 47,908,000 | 48,933,000 |
| Securities held to maturity | 495,000 | 495,000 | 495,000 | 495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,830,000 | 121,955,000 | 123,413,000 | 130,106,000 |
| Interest-bearing deposits | 83,847,000 | 83,062,000 | 85,264,000 | 87,413,000 |
| Noninterest-bearing deposits | 38,983,000 | 38,893,000 | 38,149,000 | 42,693,000 |
| Equity capital | 26,076,000 | 27,423,000 | 28,030,000 | 27,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,432,000 | 4,895,000 | 7,441,000 | 9,923,000 |
| Interest expense | 514,000 | 967,000 | 1,401,000 | 1,831,000 |
| Net interest income | 1,918,000 | 3,928,000 | 6,040,000 | 8,092,000 |
| Noninterest income | 638,000 | 1,676,000 | 2,435,000 | 3,192,000 |
| Noninterest expense | 1,691,000 | 3,565,000 | 5,453,000 | 7,948,000 |
| Provision for loan losses | 0 | 179,000 | 334,000 | 432,000 |
| Pretax income | 865,000 | 1,860,000 | 2,688,000 | 2,904,000 |
| Income tax | 306,000 | 629,000 | 906,000 | 986,000 |
| Net income | 559,000 | 1,231,000 | 1,782,000 | 1,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,793,000 | 26,465,000 | 27,006,000 | 26,473,000 |
| Total capital | 26,389,000 | 27,146,000 | 27,768,000 | 27,251,000 |
| Risk-weighted assets | 79,532,000 | 80,541,000 | 83,294,000 | 84,907,000 |
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