Call reports 2011
GULF COAST COMMUNITY BANK — 2011
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 235,781,000 | 230,869,000 | 223,123,000 | 218,476,000 |
| Total loans | 166,878,000 | 155,635,000 | 148,410,000 | 138,973,000 |
| Allowance for loan losses | 3,332,000 | 4,518,000 | 3,598,000 | 3,810,000 |
| Securities available for sale | 21,849,000 | 21,588,000 | 22,114,000 | 22,669,000 |
| Securities held to maturity | 6,918,000 | 6,917,000 | 6,916,000 | 6,914,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,801,000 | 194,333,000 | 186,974,000 | 185,635,000 |
| Interest-bearing deposits | 175,059,000 | 166,805,000 | 160,910,000 | 159,299,000 |
| Noninterest-bearing deposits | 22,742,000 | 27,527,000 | 26,064,000 | 26,336,000 |
| Equity capital | 12,553,000 | 11,031,000 | 10,526,000 | 7,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,216,000 | 4,444,000 | 6,666,000 | 8,770,000 |
| Interest expense | 833,000 | 1,572,000 | 2,237,000 | 2,848,000 |
| Net interest income | 1,383,000 | 2,872,000 | 4,429,000 | 5,922,000 |
| Noninterest income | -52,000 | 644,000 | 982,000 | -1,940,000 |
| Noninterest expense | 1,837,000 | 4,393,000 | 6,276,000 | 7,720,000 |
| Provision for loan losses | 247,000 | 1,747,000 | 2,377,000 | 3,107,000 |
| Pretax income | -753,000 | -2,386,000 | -3,004,000 | -6,607,000 |
| Income tax | 0 | 0 | 0 | -116,000 |
| Net income | -753,000 | -2,386,000 | -3,004,000 | -6,491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,786,000 | 11,175,000 | 9,831,000 | 7,115,000 |
| Total capital | 15,140,000 | 13,353,000 | 12,040,000 | 9,216,000 |
| Risk-weighted assets | 187,231,000 | 171,692,000 | 175,368,000 | 166,393,000 |