Call reports 2010
GULF COAST COMMUNITY BANK — 2010
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 266,418,000 | 254,117,000 | 253,739,000 | 241,425,000 |
| Total loans | 211,682,000 | 204,081,000 | 191,684,000 | 177,737,000 |
| Allowance for loan losses | 6,469,000 | 4,258,000 | 3,929,000 | 4,749,000 |
| Securities available for sale | 27,191,000 | 21,641,000 | 19,674,000 | 18,648,000 |
| Securities held to maturity | 6,923,000 | 6,922,000 | 6,921,000 | 6,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,975,000 | 206,337,000 | 209,512,000 | 202,639,000 |
| Interest-bearing deposits | 196,822,000 | 186,553,000 | 186,566,000 | 183,871,000 |
| Noninterest-bearing deposits | 19,153,000 | 19,784,000 | 22,946,000 | 18,767,000 |
| Equity capital | 25,007,000 | 22,270,000 | 18,684,000 | 13,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,762,000 | 5,290,000 | 7,861,000 | 10,236,000 |
| Interest expense | 1,113,000 | 2,141,000 | 3,086,000 | 3,993,000 |
| Net interest income | 1,649,000 | 3,149,000 | 4,775,000 | 6,243,000 |
| Noninterest income | 313,000 | 877,000 | 1,153,000 | 1,131,000 |
| Noninterest expense | 1,724,000 | 4,334,000 | 6,895,000 | 9,014,000 |
| Provision for loan losses | 981,000 | 3,107,000 | 6,007,000 | 9,620,000 |
| Pretax income | -743,000 | -3,415,000 | -6,974,000 | -10,958,000 |
| Income tax | 0 | 0 | 0 | 1,169,000 |
| Net income | -743,000 | -3,415,000 | -6,974,000 | -12,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,494,000 | 22,217,000 | 18,292,000 | 13,531,000 |
| Total capital | 27,158,000 | 24,963,000 | 20,879,000 | 16,011,000 |
| Risk-weighted assets | 211,951,000 | 218,201,000 | 208,615,000 | 196,146,000 |