Call reports 2015
GULFSHORE BANK — 2015
What GULFSHORE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 289,309,000 | 291,576,000 | 287,840,000 | 300,680,000 |
| Total loans | 198,459,000 | 194,586,000 | 200,269,000 | 217,859,000 |
| Allowance for loan losses | 2,320,000 | 2,232,000 | 2,259,000 | 2,380,000 |
| Securities available for sale | 11,869,000 | 15,799,000 | 21,946,000 | 19,842,000 |
| Securities held to maturity | 1,463,000 | 1,454,000 | 1,446,000 | 1,437,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,285,000 | 242,046,000 | 237,914,000 | 250,541,000 |
| Interest-bearing deposits | 195,814,000 | 196,047,000 | 192,014,000 | 204,667,000 |
| Noninterest-bearing deposits | 44,471,000 | 45,999,000 | 45,900,000 | 45,874,000 |
| Equity capital | 33,306,000 | 33,697,000 | 34,095,000 | 34,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,318,000 | 4,656,000 | 6,972,000 | 9,443,000 |
| Interest expense | 361,000 | 716,000 | 1,091,000 | 1,466,000 |
| Net interest income | 1,957,000 | 3,940,000 | 5,881,000 | 7,977,000 |
| Noninterest income | 133,000 | 376,000 | 556,000 | 738,000 |
| Noninterest expense | 1,831,000 | 3,612,000 | 5,228,000 | 6,828,000 |
| Provision for loan losses | 85,000 | 85,000 | 120,000 | 280,000 |
| Pretax income | 174,000 | 619,000 | 1,089,000 | 1,607,000 |
| Income tax | 60,000 | 228,000 | 401,000 | 588,000 |
| Net income | 114,000 | 391,000 | 688,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,215,000 | 33,640,000 | 33,948,000 | 34,342,000 |
| Total capital | 35,535,000 | 35,872,000 | 36,207,000 | 36,722,000 |
| Risk-weighted assets | 204,466,000 | 202,300,000 | 213,185,000 | 235,787,000 |