Call reports 2007
GULF COAST COMMUNITY BANK — 2007
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 209,024,000 | 222,988,000 | 254,163,000 | 255,047,000 |
| Total loans | 175,900,000 | 184,138,000 | 212,821,000 | 215,757,000 |
| Allowance for loan losses | 1,759,000 | 1,841,000 | 2,278,000 | 2,235,000 |
| Securities available for sale | 6,576,000 | 6,164,000 | 6,801,000 | 6,547,000 |
| Securities held to maturity | 2,504,000 | 3,650,000 | 6,154,000 | 6,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,258,000 | 183,708,000 | 199,441,000 | 196,771,000 |
| Interest-bearing deposits | 149,395,000 | 162,074,000 | 178,284,000 | 177,202,000 |
| Noninterest-bearing deposits | 20,863,000 | 21,634,000 | 21,157,000 | 19,569,000 |
| Equity capital | 21,544,000 | 22,237,000 | 22,772,000 | 23,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,720,000 | 7,783,000 | 12,315,000 | 16,998,000 |
| Interest expense | 1,733,000 | 3,718,000 | 6,060,000 | 8,608,000 |
| Net interest income | 1,987,000 | 4,065,000 | 6,255,000 | 8,390,000 |
| Noninterest income | 204,000 | 455,000 | 704,000 | 947,000 |
| Noninterest expense | 1,244,000 | 2,381,000 | 3,646,000 | 4,864,000 |
| Provision for loan losses | 205,000 | 287,000 | 724,000 | 1,037,000 |
| Pretax income | 742,000 | 1,852,000 | 2,589,000 | 3,436,000 |
| Income tax | 276,000 | 685,000 | 945,000 | 1,189,000 |
| Net income | 466,000 | 1,167,000 | 1,644,000 | 2,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,667,000 | 22,384,000 | 22,878,000 | 23,497,000 |
| Total capital | 23,426,000 | 24,225,000 | 25,155,000 | 25,732,000 |
| Risk-weighted assets | 193,167,000 | 206,720,000 | 220,027,000 | 221,004,000 |