Call reports 2012
GULFSHORE BANK — 2012
What GULFSHORE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 217,473,000 | 220,282,000 | 226,267,000 | 234,466,000 |
| Total loans | 124,256,000 | 136,430,000 | 143,474,000 | 149,679,000 |
| Allowance for loan losses | 1,868,000 | 1,958,000 | 2,060,000 | 2,159,000 |
| Securities available for sale | 25,454,000 | 18,895,000 | 19,678,000 | 17,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,744,000 | 188,694,000 | 195,459,000 | 203,007,000 |
| Interest-bearing deposits | 170,662,000 | 167,706,000 | 171,864,000 | 173,979,000 |
| Noninterest-bearing deposits | 21,082,000 | 20,988,000 | 23,595,000 | 29,028,000 |
| Equity capital | 14,102,000 | 14,291,000 | 14,474,000 | 15,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,753,000 | 3,551,000 | 5,419,000 | 7,381,000 |
| Interest expense | 471,000 | 880,000 | 1,299,000 | 1,680,000 |
| Net interest income | 1,282,000 | 2,671,000 | 4,120,000 | 5,701,000 |
| Noninterest income | 164,000 | 302,000 | 301,000 | 408,000 |
| Noninterest expense | 1,255,000 | 2,420,000 | 3,527,000 | 4,775,000 |
| Provision for loan losses | 88,000 | 238,000 | 337,000 | 435,000 |
| Pretax income | 103,000 | 383,000 | 625,000 | 967,000 |
| Income tax | 44,000 | 158,000 | 255,000 | 398,000 |
| Net income | 59,000 | 225,000 | 370,000 | 569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,755,000 | 14,216,000 | 14,397,000 | 15,622,000 |
| Total capital | 15,307,000 | 15,883,000 | 16,127,000 | 17,406,000 |
| Risk-weighted assets | 123,830,000 | 133,096,000 | 138,035,000 | 142,334,000 |