Call reports 2005
GULF COAST COMMUNITY BANK — 2005
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 94,256,000 | 101,143,000 | 116,831,000 | 127,228,000 |
| Total loans | 75,798,000 | 83,962,000 | 99,352,000 | 110,660,000 |
| Allowance for loan losses | 758,000 | 839,000 | 994,000 | 1,106,000 |
| Securities available for sale | 10,408,000 | 9,851,000 | 8,973,000 | 8,378,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,849,000 | 89,267,000 | 103,673,000 | 114,392,000 |
| Interest-bearing deposits | 69,707,000 | 71,168,000 | 85,278,000 | 97,727,000 |
| Noninterest-bearing deposits | 13,142,000 | 18,099,000 | 18,395,000 | 16,665,000 |
| Equity capital | 11,204,000 | 11,606,000 | 11,925,000 | 12,472,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,169,000 | 2,553,000 | 4,202,000 | 6,236,000 |
| Interest expense | 289,000 | 690,000 | 1,178,000 | 1,903,000 |
| Net interest income | 880,000 | 1,863,000 | 3,024,000 | 4,333,000 |
| Noninterest income | 125,000 | 242,000 | 439,000 | 583,000 |
| Noninterest expense | 639,000 | 1,328,000 | 2,167,000 | 2,967,000 |
| Provision for loan losses | 104,000 | 186,000 | 340,000 | 453,000 |
| Pretax income | 262,000 | 591,000 | 956,000 | 1,496,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 591,000 | 956,000 | 1,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,403,000 | 11,727,000 | 12,098,000 | 12,677,000 |
| Total capital | 12,161,000 | 12,566,000 | 13,092,000 | 13,783,000 |
| Risk-weighted assets | 94,621,000 | 103,698,000 | 111,908,000 | 123,688,000 |