Call reports 2006
GULF COAST COMMUNITY BANK — 2006
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 143,895,000 | 148,726,000 | 162,944,000 | 181,799,000 |
| Total loans | 124,368,000 | 127,973,000 | 134,934,000 | 155,414,000 |
| Allowance for loan losses | 1,244,000 | 1,318,000 | 1,366,000 | 1,554,000 |
| Securities available for sale | 7,928,000 | 7,441,000 | 7,120,000 | 6,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,268,000 | 132,132,000 | 135,824,000 | 153,989,000 |
| Interest-bearing deposits | 109,929,000 | 116,709,000 | 119,756,000 | 133,089,000 |
| Noninterest-bearing deposits | 19,339,000 | 15,423,000 | 16,068,000 | 20,900,000 |
| Equity capital | 12,731,000 | 14,812,000 | 20,381,000 | 20,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,295,000 | 4,985,000 | 7,904,000 | 11,216,000 |
| Interest expense | 905,000 | 2,052,000 | 3,259,000 | 4,707,000 |
| Net interest income | 1,390,000 | 2,933,000 | 4,645,000 | 6,509,000 |
| Noninterest income | 173,000 | 434,000 | 636,000 | 850,000 |
| Noninterest expense | 950,000 | 1,986,000 | 3,043,000 | 4,026,000 |
| Provision for loan losses | 137,000 | 212,000 | 259,000 | 448,000 |
| Pretax income | 476,000 | 1,169,000 | 1,979,000 | 2,885,000 |
| Income tax | 179,000 | 440,000 | 746,000 | 1,086,000 |
| Net income | 297,000 | 729,000 | 1,233,000 | 1,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,974,000 | 15,042,000 | 20,553,000 | 21,121,000 |
| Total capital | 14,218,000 | 16,360,000 | 21,919,000 | 22,675,000 |
| Risk-weighted assets | 128,789,000 | 140,813,000 | 151,253,000 | 170,676,000 |