Call reports 2003
GULF COAST BANK — 2003
What GULF COAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 165,149,000 | 167,594,000 | 167,979,000 | 167,543,000 |
| Total loans | 81,621,000 | 85,375,000 | 87,795,000 | 87,908,000 |
| Allowance for loan losses | 847,000 | 846,000 | 757,000 | 770,000 |
| Securities available for sale | 50,982,000 | 55,877,000 | 53,216,000 | 50,869,000 |
| Securities held to maturity | 480,000 | 480,000 | 480,000 | 480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,256,000 | 137,137,000 | 137,518,000 | 137,168,000 |
| Interest-bearing deposits | 90,406,000 | 89,761,000 | 93,300,000 | 92,666,000 |
| Noninterest-bearing deposits | 44,850,000 | 47,376,000 | 44,218,000 | 44,502,000 |
| Equity capital | 27,981,000 | 28,663,000 | 28,818,000 | 28,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,385,000 | 4,812,000 | 7,224,000 | 9,622,000 |
| Interest expense | 367,000 | 732,000 | 1,057,000 | 1,372,000 |
| Net interest income | 2,018,000 | 4,080,000 | 6,167,000 | 8,250,000 |
| Noninterest income | 964,000 | 1,793,000 | 2,629,000 | 3,415,000 |
| Noninterest expense | 1,849,000 | 3,753,000 | 5,776,000 | 8,264,000 |
| Provision for loan losses | 168,000 | 218,000 | 218,000 | 291,000 |
| Pretax income | 965,000 | 1,902,000 | 2,802,000 | 3,110,000 |
| Income tax | 317,000 | 634,000 | 946,000 | 1,051,000 |
| Net income | 648,000 | 1,268,000 | 1,856,000 | 2,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,127,000 | 27,748,000 | 28,336,000 | 27,871,000 |
| Total capital | 27,974,000 | 28,594,000 | 29,093,000 | 28,641,000 |
| Risk-weighted assets | 87,700,000 | 89,973,000 | 90,946,000 | 90,945,000 |