Call reports 2015
GULF COAST BANK — 2015
What GULF COAST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 395,977,000 | 386,723,000 | 381,061,000 | 375,646,000 |
| Total loans | 229,457,000 | 231,568,000 | 229,931,000 | 232,862,000 |
| Allowance for loan losses | 2,399,000 | 2,524,000 | 2,327,000 | 2,497,000 |
| Securities available for sale | 89,660,000 | 84,758,000 | 81,309,000 | 75,191,000 |
| Securities held to maturity | 6,133,000 | 3,633,000 | 4,041,000 | 4,041,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,456,000 | 338,922,000 | 332,264,000 | 328,747,000 |
| Interest-bearing deposits | 223,274,000 | 218,403,000 | 217,396,000 | 211,273,000 |
| Noninterest-bearing deposits | 125,182,000 | 120,519,000 | 114,868,000 | 117,474,000 |
| Equity capital | 46,224,000 | 46,367,000 | 47,057,000 | 45,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,877,000 | 7,783,000 | 11,710,000 | 15,604,000 |
| Interest expense | 168,000 | 340,000 | 507,000 | 671,000 |
| Net interest income | 3,709,000 | 7,443,000 | 11,203,000 | 14,933,000 |
| Noninterest income | 1,462,000 | 2,988,000 | 4,711,000 | 6,171,000 |
| Noninterest expense | 3,504,000 | 7,548,000 | 11,855,000 | 16,277,000 |
| Provision for loan losses | 0 | 211,000 | 395,000 | 1,032,000 |
| Pretax income | 1,667,000 | 2,672,000 | 3,664,000 | 3,795,000 |
| Income tax | 546,000 | 888,000 | 1,220,000 | 1,625,000 |
| Net income | 1,121,000 | 1,784,000 | 2,444,000 | 2,170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,792,000 | 47,455,000 | 47,615,000 | 46,450,000 |
| Total capital | 49,191,000 | 49,979,000 | 49,942,000 | 48,947,000 |
| Risk-weighted assets | 226,382,000 | 226,021,000 | 224,506,000 | 223,583,000 |