Call reports 2007
GULF COAST BANK — 2007
What GULF COAST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 246,892,000 | 242,225,000 | 228,597,000 | 231,177,000 |
| Total loans | 149,541,000 | 157,575,000 | 165,747,000 | 172,610,000 |
| Allowance for loan losses | 1,649,000 | 1,602,000 | 1,681,000 | 1,865,000 |
| Securities available for sale | 32,963,000 | 32,407,000 | 31,297,000 | 30,126,000 |
| Securities held to maturity | 400,000 | 400,000 | 400,000 | 400,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,641,000 | 206,049,000 | 191,426,000 | 193,876,000 |
| Interest-bearing deposits | 140,262,000 | 135,586,000 | 120,530,000 | 119,860,000 |
| Noninterest-bearing deposits | 71,379,000 | 70,463,000 | 70,896,000 | 74,016,000 |
| Equity capital | 33,645,000 | 34,391,000 | 35,670,000 | 35,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,906,000 | 8,000,000 | 12,124,000 | 16,206,000 |
| Interest expense | 984,000 | 1,997,000 | 3,025,000 | 3,896,000 |
| Net interest income | 2,922,000 | 6,003,000 | 9,099,000 | 12,310,000 |
| Noninterest income | 1,195,000 | 2,465,000 | 3,821,000 | 5,188,000 |
| Noninterest expense | 2,361,000 | 5,076,000 | 7,839,000 | 11,198,000 |
| Provision for loan losses | 0 | 17,000 | 137,000 | 383,000 |
| Pretax income | 1,756,000 | 3,375,000 | 4,944,000 | 5,917,000 |
| Income tax | 598,000 | 1,142,000 | 1,678,000 | 1,957,000 |
| Net income | 1,158,000 | 2,233,000 | 3,266,000 | 3,960,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,038,000 | 34,863,000 | 35,897,000 | 35,590,000 |
| Total capital | 35,687,000 | 36,465,000 | 37,578,000 | 37,455,000 |
| Risk-weighted assets | 152,242,000 | 156,807,000 | 161,755,000 | 167,116,000 |
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