Call reports 2008
GULF COAST BANK — 2008
What GULF COAST BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 232,221,000 | 233,352,000 | 238,103,000 | 245,679,000 |
| Total loans | 174,029,000 | 179,637,000 | 182,213,000 | 188,801,000 |
| Allowance for loan losses | 1,654,000 | 1,653,000 | 1,716,000 | 2,037,000 |
| Securities available for sale | 14,339,000 | 14,826,000 | 14,383,000 | 12,852,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,616,000 | 197,308,000 | 200,723,000 | 209,253,000 |
| Interest-bearing deposits | 122,010,000 | 125,186,000 | 127,693,000 | 130,838,000 |
| Noninterest-bearing deposits | 71,606,000 | 72,122,000 | 73,030,000 | 78,415,000 |
| Equity capital | 37,044,000 | 34,832,000 | 35,689,000 | 35,029,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,814,000 | 7,431,000 | 11,114,000 | 14,749,000 |
| Interest expense | 840,000 | 1,578,000 | 2,263,000 | 2,904,000 |
| Net interest income | 2,974,000 | 5,853,000 | 8,851,000 | 11,845,000 |
| Noninterest income | 1,495,000 | 3,013,000 | 4,595,000 | 5,922,000 |
| Noninterest expense | 2,549,000 | 5,279,000 | 8,119,000 | 11,843,000 |
| Provision for loan losses | -103,000 | 12,000 | 242,000 | 586,000 |
| Pretax income | 2,023,000 | 3,575,000 | 5,085,000 | 5,338,000 |
| Income tax | 662,000 | 1,053,000 | 1,715,000 | 1,787,000 |
| Net income | 1,361,000 | 2,522,000 | 3,370,000 | 3,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,962,000 | 34,824,000 | 35,672,000 | 34,956,000 |
| Total capital | 38,616,000 | 36,477,000 | 37,388,000 | 36,993,000 |
| Risk-weighted assets | 166,981,000 | 171,576,000 | 173,098,000 | 178,025,000 |