Call reports 2022
GULF COAST BANK — 2022
What GULF COAST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 548,849,000 | 541,410,000 | 532,575,000 | 521,070,000 |
| Total loans | 298,767,000 | 301,240,000 | 298,637,000 | 284,222,000 |
| Allowance for loan losses | 2,872,000 | 3,006,000 | 3,090,000 | 3,135,000 |
| Securities available for sale | 124,538,000 | 115,934,000 | 107,649,000 | 118,722,000 |
| Securities held to maturity | 1,457,000 | 1,457,000 | 1,457,000 | 1,457,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 491,460,000 | 486,159,000 | 480,179,000 | 466,809,000 |
| Interest-bearing deposits | 243,539,000 | 251,835,000 | 248,022,000 | 239,834,000 |
| Noninterest-bearing deposits | 247,921,000 | 234,324,000 | 232,157,000 | 226,975,000 |
| Equity capital | 56,447,000 | 53,101,000 | 50,301,000 | 51,563,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 4,510,000 | 9,191,000 | 15,031,000 | 20,030,000 |
| Interest expense | 90,000 | 187,000 | 355,000 | 621,000 |
| Net interest income | 4,420,000 | 9,004,000 | 14,676,000 | 19,409,000 |
| Noninterest income | 1,274,000 | 2,710,000 | 4,033,000 | 5,458,000 |
| Noninterest expense | 4,008,000 | 8,714,000 | 13,056,000 | 17,891,000 |
| Provision for loan losses | 159,000 | 338,000 | 1,268,000 | 1,098,000 |
| Pretax income | 1,527,000 | 2,662,000 | 4,385,000 | 5,834,000 |
| Income tax | 312,000 | 542,000 | 891,000 | 1,375,000 |
| Net income | 1,215,000 | 2,120,000 | 3,494,000 | 4,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,918,000 | 65,823,000 | 67,197,000 | 67,133,000 |