Call reports 2025
GULF COAST BANK — 2025
What GULF COAST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 501,439,000 | 498,686,000 | 501,319,000 | 498,181,000 |
| Total loans | 298,797,000 | 298,486,000 | 300,614,000 | 294,582,000 |
| Allowance for loan losses | 3,632,000 | 3,634,000 | 3,615,000 | 3,561,000 |
| Securities available for sale | 134,137,000 | 135,842,000 | 135,801,000 | 151,646,000 |
| Securities held to maturity | 2,413,000 | 2,413,000 | 2,413,000 | 2,413,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,370,000 | 432,382,000 | 431,174,000 | 426,471,000 |
| Interest-bearing deposits | 228,989,000 | 226,623,000 | 229,324,000 | 225,292,000 |
| Noninterest-bearing deposits | 208,381,000 | 205,759,000 | 201,850,000 | 201,179,000 |
| Equity capital | 59,935,000 | 62,073,000 | 65,441,000 | 66,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,399,000 | 13,033,000 | 19,769,000 | 26,378,000 |
| Interest expense | 993,000 | 1,927,000 | 2,895,000 | 3,842,000 |
| Net interest income | 5,406,000 | 11,106,000 | 16,874,000 | 22,536,000 |
| Noninterest income | 1,380,000 | 2,821,000 | 4,215,000 | 5,484,000 |
| Noninterest expense | 4,817,000 | 9,638,000 | 14,370,000 | 19,336,000 |
| Provision for loan losses | 432,000 | 442,000 | 449,000 | 471,000 |
| Pretax income | 1,720,000 | 3,955,000 | 6,365,000 | 8,300,000 |
| Income tax | 348,000 | 809,000 | 1,280,000 | 1,335,000 |
| Net income | 1,372,000 | 3,146,000 | 5,085,000 | 6,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,405,000 | 78,179,000 | 80,117,000 | 80,809,000 |