Call reports 2025
GULF COAST BUSINESS BANK — 2025
What GULF COAST BUSINESS 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 | 130,347,000 | 148,125,000 | 154,885,000 | 181,141,000 |
| Total loans | 101,505,000 | 120,434,000 | 130,406,000 | 150,137,000 |
| Allowance for loan losses | 1,320,000 | 1,566,000 | 1,695,000 | 1,952,000 |
| Securities available for sale | 6,508,000 | 6,187,000 | 5,984,000 | 5,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,189,000 | 126,940,000 | 130,314,000 | 154,849,000 |
| Interest-bearing deposits | 89,445,000 | 105,045,000 | 106,976,000 | 133,583,000 |
| Noninterest-bearing deposits | 23,744,000 | 21,895,000 | 23,338,000 | 21,266,000 |
| Equity capital | 16,332,000 | 20,204,000 | 23,634,000 | 25,296,000 |
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 | 1,986,000 | 4,297,000 | 6,937,000 | 9,616,000 |
| Interest expense | 803,000 | 1,696,000 | 2,675,000 | 3,804,000 |
| Net interest income | 1,183,000 | 2,601,000 | 4,262,000 | 5,812,000 |
| Noninterest income | 97,000 | 198,000 | 266,000 | 349,000 |
| Noninterest expense | 1,583,000 | 3,082,000 | 4,659,000 | 6,349,000 |
| Provision for loan losses | 183,000 | 429,000 | 558,000 | 825,000 |
| Pretax income | -486,000 | -712,000 | -689,000 | -1,013,000 |
| Income tax | 0 | 0 | 0 | -1,953,000 |
| Net income | -486,000 | -712,000 | -689,000 | 940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,453,000 | 20,320,000 | 23,701,000 | 24,116,000 |