Call reports 2012
GULF COAST COMMUNITY BANK — 2012
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 197,682,000 | 194,278,000 | 183,343,000 | 185,168,000 |
| Total loans | 133,627,000 | 124,097,000 | 119,377,000 | 113,850,000 |
| Allowance for loan losses | 4,155,000 | 3,210,000 | 3,057,000 | 3,242,000 |
| Securities available for sale | 21,381,000 | 28,143,000 | 28,385,000 | 27,824,000 |
| Securities held to maturity | 6,913,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,627,000 | 169,330,000 | 159,342,000 | 162,176,000 |
| Interest-bearing deposits | 139,697,000 | 140,198,000 | 134,579,000 | 136,319,000 |
| Noninterest-bearing deposits | 25,930,000 | 29,132,000 | 24,764,000 | 25,857,000 |
| Equity capital | 6,941,000 | 5,636,000 | 4,638,000 | 3,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,936,000 | 5,732,000 | 7,522,000 |
| Interest expense | 545,000 | 1,011,000 | 1,442,000 | 1,868,000 |
| Net interest income | 1,400,000 | 2,925,000 | 4,290,000 | 5,654,000 |
| Noninterest income | 11,000 | -1,325,000 | -2,234,000 | -2,545,000 |
| Noninterest expense | 1,949,000 | 4,002,000 | 5,678,000 | 7,485,000 |
| Provision for loan losses | 0 | 0 | 0 | 146,000 |
| Pretax income | -21,000 | -1,418,000 | -2,468,000 | -3,298,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -21,000 | -1,418,000 | -2,468,000 | -3,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,112,000 | 5,566,000 | 4,534,000 | 3,732,000 |
| Total capital | 9,070,000 | 7,471,000 | 6,343,000 | 5,501,000 |
| Risk-weighted assets | 154,480,000 | 150,494,000 | 143,503,000 | 139,249,000 |