Call reports 2004
GULF COAST BANK — 2004
What GULF COAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 173,624,000 | 171,969,000 | 173,704,000 | 177,923,000 |
| Total loans | 97,647,000 | 100,894,000 | 105,311,000 | 108,239,000 |
| Allowance for loan losses | 806,000 | 935,000 | 996,000 | 1,047,000 |
| Securities available for sale | 50,570,000 | 42,548,000 | 44,717,000 | 46,036,000 |
| Securities held to maturity | 430,000 | 430,000 | 430,000 | 430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,904,000 | 141,938,000 | 142,754,000 | 146,847,000 |
| Interest-bearing deposits | 96,346,000 | 96,198,000 | 97,511,000 | 99,802,000 |
| Noninterest-bearing deposits | 46,558,000 | 45,740,000 | 45,243,000 | 47,045,000 |
| Equity capital | 29,069,000 | 28,611,000 | 29,464,000 | 28,734,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,418,000 | 4,890,000 | 7,335,000 | 9,907,000 |
| Interest expense | 308,000 | 615,000 | 935,000 | 1,260,000 |
| Net interest income | 2,110,000 | 4,275,000 | 6,400,000 | 8,647,000 |
| Noninterest income | 794,000 | 1,634,000 | 2,949,000 | 3,707,000 |
| Noninterest expense | 1,994,000 | 4,111,000 | 6,322,000 | 9,062,000 |
| Provision for loan losses | 70,000 | 270,000 | 699,000 | 800,000 |
| Pretax income | 840,000 | 1,528,000 | 2,328,000 | 2,492,000 |
| Income tax | 278,000 | 577,000 | 778,000 | 834,000 |
| Net income | 562,000 | 951,000 | 1,550,000 | 1,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,434,000 | 28,802,000 | 29,303,000 | 28,746,000 |
| Total capital | 29,240,000 | 29,737,000 | 30,299,000 | 29,793,000 |
| Risk-weighted assets | 99,289,000 | 101,565,000 | 104,672,000 | 107,866,000 |