Call reports 2016
GULF COAST BANK — 2016
What GULF COAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 388,767,000 | 379,427,000 | 378,982,000 | 381,595,000 |
| Total loans | 233,369,000 | 225,855,000 | 228,898,000 | 232,246,000 |
| Allowance for loan losses | 2,517,000 | 2,534,000 | 2,479,000 | 2,489,000 |
| Securities available for sale | 77,926,000 | 74,864,000 | 70,678,000 | 65,001,000 |
| Securities held to maturity | 3,594,000 | 4,194,000 | 4,194,000 | 4,194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 340,373,000 | 329,622,000 | 328,852,000 | 333,709,000 |
| Interest-bearing deposits | 219,546,000 | 212,001,000 | 180,356,000 | 203,906,000 |
| Noninterest-bearing deposits | 120,827,000 | 117,621,000 | 148,496,000 | 129,803,000 |
| Equity capital | 46,825,000 | 47,934,000 | 48,353,000 | 46,393,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,908,000 | 7,874,000 | 11,822,000 | 15,792,000 |
| Interest expense | 159,000 | 314,000 | 466,000 | 611,000 |
| Net interest income | 3,749,000 | 7,560,000 | 11,356,000 | 15,181,000 |
| Noninterest income | 1,283,000 | 2,545,000 | 3,752,000 | 4,931,000 |
| Noninterest expense | 3,608,000 | 7,814,000 | 11,368,000 | 15,599,000 |
| Provision for loan losses | 286,000 | 316,000 | 389,000 | 885,000 |
| Pretax income | 1,138,000 | 1,975,000 | 3,351,000 | 3,628,000 |
| Income tax | 377,000 | 596,000 | 1,132,000 | 1,222,000 |
| Net income | 761,000 | 1,379,000 | 2,219,000 | 2,406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,211,000 | 47,829,000 | 48,169,000 | 47,471,000 |
| Total capital | 49,728,000 | 50,363,000 | 50,648,000 | 49,960,000 |
| Risk-weighted assets | 227,365,000 | 221,675,000 | 225,845,000 | 232,873,000 |