Call reports 2012
GULF COAST BANK — 2012
What GULF COAST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 328,605,000 | 333,190,000 | 334,223,000 | 351,834,000 |
| Total loans | 218,199,000 | 220,454,000 | 220,863,000 | 215,022,000 |
| Allowance for loan losses | 2,487,000 | 2,413,000 | 2,614,000 | 2,384,000 |
| Securities available for sale | 35,958,000 | 42,953,000 | 47,635,000 | 51,431,000 |
| Securities held to maturity | 3,767,000 | 3,767,000 | 3,767,000 | 3,767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,261,000 | 289,111,000 | 289,082,000 | 307,114,000 |
| Interest-bearing deposits | 194,898,000 | 196,276,000 | 197,124,000 | 208,277,000 |
| Noninterest-bearing deposits | 90,363,000 | 92,835,000 | 91,958,000 | 98,837,000 |
| Equity capital | 41,801,000 | 42,964,000 | 43,678,000 | 42,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,808,000 | 7,748,000 | 11,754,000 | 15,647,000 |
| Interest expense | 362,000 | 719,000 | 1,068,000 | 1,420,000 |
| Net interest income | 3,446,000 | 7,029,000 | 10,686,000 | 14,227,000 |
| Noninterest income | 1,286,000 | 2,611,000 | 3,760,000 | 5,065,000 |
| Noninterest expense | 2,840,000 | 6,199,000 | 9,404,000 | 13,729,000 |
| Provision for loan losses | 0 | -22,000 | 166,000 | 739,000 |
| Pretax income | 1,892,000 | 3,463,000 | 4,876,000 | 4,827,000 |
| Income tax | 635,000 | 1,168,000 | 1,642,000 | 1,663,000 |
| Net income | 1,257,000 | 2,295,000 | 3,234,000 | 3,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,484,000 | 42,522,000 | 43,160,000 | 42,191,000 |
| Total capital | 43,971,000 | 44,935,000 | 45,736,000 | 44,575,000 |
| Risk-weighted assets | 202,091,000 | 208,915,000 | 206,044,000 | 207,966,000 |