Call reports 2008
GULF COAST COMMUNITY BANK — 2008
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 260,948,000 | 269,920,000 | 281,091,000 | 275,672,000 |
| Total loans | 222,501,000 | 224,550,000 | 231,119,000 | 233,387,000 |
| Allowance for loan losses | 2,530,000 | 2,571,000 | 2,889,000 | 4,614,000 |
| Securities available for sale | 7,274,000 | 7,203,000 | 6,465,000 | 7,432,000 |
| Securities held to maturity | 6,152,000 | 6,151,000 | 6,931,000 | 6,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,300,000 | 206,555,000 | 212,969,000 | 212,290,000 |
| Interest-bearing deposits | 183,876,000 | 185,474,000 | 192,210,000 | 191,087,000 |
| Noninterest-bearing deposits | 18,424,000 | 21,081,000 | 20,759,000 | 21,203,000 |
| Equity capital | 23,775,000 | 24,321,000 | 29,382,000 | 27,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,353,000 | 8,235,000 | 12,164,000 | 15,861,000 |
| Interest expense | 2,463,000 | 4,808,000 | 7,150,000 | 9,407,000 |
| Net interest income | 1,890,000 | 3,427,000 | 5,014,000 | 6,454,000 |
| Noninterest income | 206,000 | 467,000 | 708,000 | 932,000 |
| Noninterest expense | 1,460,000 | 2,977,000 | 4,340,000 | 5,819,000 |
| Provision for loan losses | 295,000 | 1,195,000 | 1,611,000 | 3,458,000 |
| Pretax income | 341,000 | -278,000 | -229,000 | -1,891,000 |
| Income tax | 109,000 | -146,000 | -189,000 | -156,000 |
| Net income | 232,000 | -132,000 | -40,000 | -1,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,748,000 | 24,413,000 | 29,431,000 | 27,736,000 |
| Total capital | 26,278,000 | 26,984,000 | 32,320,000 | 30,877,000 |
| Risk-weighted assets | 232,593,000 | 238,169,000 | 253,300,000 | 249,812,000 |