Call reports 2005
GULF COAST BANK — 2005
What GULF COAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 180,729,000 | 179,430,000 | 190,682,000 | 205,507,000 |
| Total loans | 114,941,000 | 118,343,000 | 126,597,000 | 131,206,000 |
| Allowance for loan losses | 1,164,000 | 1,220,000 | 1,255,000 | 1,284,000 |
| Securities available for sale | 44,457,000 | 43,669,000 | 38,071,000 | 36,570,000 |
| Securities held to maturity | 430,000 | 430,000 | 430,000 | 430,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,584,000 | 148,315,000 | 159,016,000 | 174,659,000 |
| Interest-bearing deposits | 100,553,000 | 98,269,000 | 101,476,000 | 104,796,000 |
| Noninterest-bearing deposits | 50,031,000 | 50,046,000 | 57,540,000 | 69,863,000 |
| Equity capital | 28,781,000 | 29,688,000 | 30,084,000 | 29,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,568,000 | 5,253,000 | 8,105,000 | 11,180,000 |
| Interest expense | 327,000 | 688,000 | 1,090,000 | 1,522,000 |
| Net interest income | 2,241,000 | 4,565,000 | 7,015,000 | 9,658,000 |
| Noninterest income | 819,000 | 1,649,000 | 2,450,000 | 3,186,000 |
| Noninterest expense | 2,023,000 | 4,253,000 | 6,464,000 | 9,516,000 |
| Provision for loan losses | 211,000 | 305,000 | 378,000 | 524,000 |
| Pretax income | 826,000 | 1,656,000 | 2,549,000 | 2,730,000 |
| Income tax | 278,000 | 552,000 | 858,000 | 970,000 |
| Net income | 548,000 | 1,104,000 | 1,691,000 | 1,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,294,000 | 29,850,000 | 30,435,000 | 29,804,000 |
| Total capital | 30,458,000 | 31,070,000 | 31,690,000 | 31,088,000 |
| Risk-weighted assets | 113,695,000 | 115,479,000 | 122,157,000 | 127,695,000 |