Call reports 2004
GULF COAST COMMUNITY BANK — 2004
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 50,129,000 | 75,978,000 | 87,134,000 | 87,128,000 |
| Total loans | 30,525,000 | 43,770,000 | 56,756,000 | 65,362,000 |
| Allowance for loan losses | 305,000 | 438,000 | 567,000 | 654,000 |
| Securities available for sale | 13,700,000 | 12,426,000 | 11,868,000 | 11,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,898,000 | 60,045,000 | 76,103,000 | 75,870,000 |
| Interest-bearing deposits | 32,583,000 | 52,131,000 | 64,608,000 | 63,660,000 |
| Noninterest-bearing deposits | 6,315,000 | 7,914,000 | 11,495,000 | 12,210,000 |
| Equity capital | 11,145,000 | 10,807,000 | 10,932,000 | 11,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 425,000 | 998,000 | 1,838,000 | 2,858,000 |
| Interest expense | 105,000 | 252,000 | 505,000 | 764,000 |
| Net interest income | 320,000 | 746,000 | 1,333,000 | 2,094,000 |
| Noninterest income | 52,000 | 130,000 | 253,000 | 381,000 |
| Noninterest expense | 521,000 | 1,110,000 | 1,707,000 | 2,382,000 |
| Provision for loan losses | 91,000 | 224,000 | 354,000 | 440,000 |
| Pretax income | -240,000 | -458,000 | -475,000 | -347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -240,000 | -458,000 | -475,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,187,000 | 11,032,000 | 11,014,000 | 11,141,000 |
| Total capital | 11,492,000 | 11,470,000 | 11,581,000 | 11,795,000 |
| Risk-weighted assets | 34,438,000 | 58,909,000 | 71,925,000 | 82,373,000 |