Call reports 2009
GULF COAST BANK — 2009
What GULF COAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 253,852,000 | 251,945,000 | 253,593,000 | 253,215,000 |
| Total loans | 189,052,000 | 201,115,000 | 202,115,000 | 205,951,000 |
| Allowance for loan losses | 2,008,000 | 2,072,000 | 2,180,000 | 2,241,000 |
| Securities available for sale | 12,118,000 | 11,679,000 | 11,202,000 | 8,515,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,964,000 | 214,131,000 | 214,652,000 | 214,718,000 |
| Interest-bearing deposits | 137,930,000 | 139,510,000 | 143,777,000 | 139,369,000 |
| Noninterest-bearing deposits | 79,034,000 | 74,621,000 | 70,875,000 | 75,349,000 |
| Equity capital | 35,783,000 | 36,734,000 | 37,682,000 | 37,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,504,000 | 7,095,000 | 10,800,000 | 14,507,000 |
| Interest expense | 536,000 | 1,052,000 | 1,566,000 | 2,062,000 |
| Net interest income | 2,968,000 | 6,043,000 | 9,234,000 | 12,445,000 |
| Noninterest income | 1,440,000 | 2,919,000 | 4,450,000 | 5,930,000 |
| Noninterest expense | 2,817,000 | 5,625,000 | 8,714,000 | 12,395,000 |
| Provision for loan losses | 193,000 | 233,000 | 377,000 | 509,000 |
| Pretax income | 1,398,000 | 3,104,000 | 4,593,000 | 5,471,000 |
| Income tax | 499,000 | 1,050,000 | 1,570,000 | 1,820,000 |
| Net income | 899,000 | 2,054,000 | 3,023,000 | 3,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,681,000 | 36,637,000 | 37,605,000 | 37,334,000 |
| Total capital | 37,688,000 | 38,709,000 | 39,785,000 | 39,575,000 |
| Risk-weighted assets | 182,141,000 | 184,096,000 | 183,344,000 | 186,214,000 |