Call reports 2006
GULF COAST BANK — 2006
What GULF COAST BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 211,831,000 | 211,131,000 | 235,409,000 | 237,854,000 |
| Total loans | 137,112,000 | 149,859,000 | 151,558,000 | 151,847,000 |
| Allowance for loan losses | 1,406,000 | 1,361,000 | 1,505,000 | 1,656,000 |
| Securities available for sale | 35,880,000 | 34,685,000 | 34,710,000 | 33,376,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,108,000 | 178,013,000 | 200,275,000 | 203,859,000 |
| Interest-bearing deposits | 105,803,000 | 104,289,000 | 129,965,000 | 130,114,000 |
| Noninterest-bearing deposits | 74,305,000 | 73,724,000 | 70,310,000 | 73,745,000 |
| Equity capital | 30,110,000 | 30,829,000 | 32,250,000 | 32,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,212,000 | 6,667,000 | 10,570,000 | 14,514,000 |
| Interest expense | 438,000 | 946,000 | 1,704,000 | 2,603,000 |
| Net interest income | 2,774,000 | 5,721,000 | 8,866,000 | 11,911,000 |
| Noninterest income | 1,075,000 | 2,227,000 | 3,337,000 | 4,551,000 |
| Noninterest expense | 2,314,000 | 4,734,000 | 7,084,000 | 10,013,000 |
| Provision for loan losses | 79,000 | 157,000 | 333,000 | 501,000 |
| Pretax income | 1,456,000 | 3,057,000 | 4,786,000 | 5,948,000 |
| Income tax | 499,000 | 1,042,000 | 1,601,000 | 1,954,000 |
| Net income | 957,000 | 2,015,000 | 3,185,000 | 3,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,772,000 | 31,729,000 | 32,799,000 | 32,908,000 |
| Total capital | 32,178,000 | 33,090,000 | 34,304,000 | 34,564,000 |
| Risk-weighted assets | 133,912,000 | 141,586,000 | 149,363,000 | 151,967,000 |