Call reports 2020
GULF COAST BANK — 2020
What GULF COAST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 375,265,000 | 465,748,000 | 464,752,000 | 478,696,000 |
| Total loans | 256,115,000 | 384,621,000 | 386,747,000 | 363,210,000 |
| Allowance for loan losses | 2,823,000 | 2,942,000 | 2,980,000 | 2,874,000 |
| Securities available for sale | 34,297,000 | 32,808,000 | 29,497,000 | 26,895,000 |
| Securities held to maturity | 2,800,000 | 2,800,000 | 2,800,000 | 2,800,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,660,000 | 408,232,000 | 405,237,000 | 418,061,000 |
| Interest-bearing deposits | 182,558,000 | 218,530,000 | 221,394,000 | 222,740,000 |
| Noninterest-bearing deposits | 137,102,000 | 189,702,000 | 183,843,000 | 195,321,000 |
| Equity capital | 54,468,000 | 56,373,000 | 58,135,000 | 58,607,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,182,000 | 8,794,000 | 13,908,000 | 19,578,000 |
| Interest expense | 258,000 | 519,000 | 782,000 | 1,000,000 |
| Net interest income | 3,924,000 | 8,275,000 | 13,126,000 | 18,578,000 |
| Noninterest income | 1,343,000 | 2,513,000 | 3,848,000 | 5,143,000 |
| Noninterest expense | 3,977,000 | 7,939,000 | 11,934,000 | 16,128,000 |
| Provision for loan losses | 194,000 | 341,000 | 343,000 | 598,000 |
| Pretax income | 1,096,000 | 2,508,000 | 4,697,000 | 6,995,000 |
| Income tax | 360,000 | 512,000 | 986,000 | 1,343,000 |
| Net income | 736,000 | 1,996,000 | 3,711,000 | 5,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,638,000 | 55,898,000 | 57,613,000 | 58,104,000 |
| Total capital | 57,461,000 | 58,840,000 | — | — |
| Risk-weighted assets | 253,536,000 | 393,669,000 | — | — |