Call reports 2009
GULF COAST COMMUNITY BANK — 2009
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 276,621,000 | 283,825,000 | 278,830,000 | 263,170,000 |
| Total loans | 228,294,000 | 223,622,000 | 220,392,000 | 216,232,000 |
| Allowance for loan losses | 3,581,000 | 6,087,000 | 5,967,000 | 6,063,000 |
| Securities available for sale | 18,491,000 | 18,373,000 | 31,100,000 | 28,054,000 |
| Securities held to maturity | 6,928,000 | 6,927,000 | 6,925,000 | 6,924,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,339,000 | 222,229,000 | 226,993,000 | 209,900,000 |
| Interest-bearing deposits | 193,813,000 | 200,710,000 | 205,541,000 | 193,537,000 |
| Noninterest-bearing deposits | 19,526,000 | 21,519,000 | 21,453,000 | 16,363,000 |
| Equity capital | 27,560,000 | 25,746,000 | 26,176,000 | 25,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,219,000 | 6,447,000 | 9,622,000 | 12,714,000 |
| Interest expense | 1,987,000 | 3,747,000 | 5,347,000 | 6,646,000 |
| Net interest income | 1,232,000 | 2,700,000 | 4,275,000 | 6,068,000 |
| Noninterest income | 281,000 | 505,000 | 735,000 | 1,002,000 |
| Noninterest expense | 1,604,000 | 3,202,000 | 4,749,000 | 6,522,000 |
| Provision for loan losses | 200,000 | 2,700,000 | 2,700,000 | 3,452,000 |
| Pretax income | -291,000 | -2,697,000 | -2,439,000 | -2,860,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | -289,000 | -2,695,000 | -2,437,000 | -2,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,484,000 | 25,708,000 | 25,987,000 | 25,216,000 |
| Total capital | 30,576,000 | 28,865,000 | 28,950,000 | 28,033,000 |
| Risk-weighted assets | 246,850,000 | 249,678,000 | 233,264,000 | 222,520,000 |