Call reports 2011
GULF COAST BANK — 2011
What GULF COAST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 299,675,000 | 300,491,000 | 312,675,000 | 317,461,000 |
| Total loans | 209,119,000 | 209,918,000 | 213,336,000 | 215,777,000 |
| Allowance for loan losses | 2,541,000 | 2,513,000 | 2,468,000 | 2,496,000 |
| Securities available for sale | 12,316,000 | 16,550,000 | 18,949,000 | 16,447,000 |
| Securities held to maturity | 60,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,744,000 | 258,724,000 | 270,036,000 | 275,410,000 |
| Interest-bearing deposits | 179,564,000 | 180,574,000 | 189,019,000 | 189,365,000 |
| Noninterest-bearing deposits | 79,180,000 | 78,150,000 | 81,017,000 | 86,045,000 |
| Equity capital | 39,754,000 | 40,510,000 | 41,050,000 | 40,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,705,000 | 7,493,000 | 11,379,000 | 15,164,000 |
| Interest expense | 440,000 | 886,000 | 1,327,000 | 1,713,000 |
| Net interest income | 3,265,000 | 6,607,000 | 10,052,000 | 13,451,000 |
| Noninterest income | 1,087,000 | 2,278,000 | 3,545,000 | 4,849,000 |
| Noninterest expense | 2,734,000 | 5,925,000 | 9,412,000 | 13,369,000 |
| Provision for loan losses | 23,000 | 42,000 | 218,000 | 351,000 |
| Pretax income | 1,595,000 | 2,918,000 | 3,967,000 | 4,580,000 |
| Income tax | 529,000 | 992,000 | 1,345,000 | 1,537,000 |
| Net income | 1,066,000 | 1,926,000 | 2,622,000 | 3,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,750,000 | 40,310,000 | 40,705,000 | 40,227,000 |
| Total capital | 42,119,000 | 42,666,000 | 43,138,000 | 42,702,000 |
| Risk-weighted assets | 189,331,000 | 188,344,000 | 195,919,000 | 198,105,000 |