Call reports 2013
GULF COAST COMMUNITY BANK — 2013
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 177,924,000 | 162,272,000 | 159,617,000 | 159,235,000 |
| Total loans | 111,479,000 | 102,858,000 | 101,299,000 | 96,963,000 |
| Allowance for loan losses | 3,733,000 | 2,721,000 | 2,746,000 | 2,763,000 |
| Securities available for sale | 27,326,000 | 23,301,000 | 22,349,000 | 21,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,887,000 | 148,510,000 | 146,134,000 | 146,081,000 |
| Interest-bearing deposits | 133,229,000 | 124,216,000 | 120,382,000 | 117,575,000 |
| Noninterest-bearing deposits | 26,658,000 | 24,293,000 | 25,752,000 | 28,506,000 |
| Equity capital | 3,770,000 | 2,447,000 | 2,126,000 | 1,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,630,000 | 3,203,000 | 4,779,000 | 6,354,000 |
| Interest expense | 384,000 | 735,000 | 1,027,000 | 1,264,000 |
| Net interest income | 1,246,000 | 2,468,000 | 3,752,000 | 5,090,000 |
| Noninterest income | 580,000 | 952,000 | 1,299,000 | 1,596,000 |
| Noninterest expense | 1,638,000 | 3,457,000 | 5,073,000 | 6,862,000 |
| Provision for loan losses | 0 | 187,000 | 193,000 | 193,000 |
| Pretax income | 188,000 | -177,000 | -168,000 | -322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | -177,000 | -168,000 | -322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,940,000 | 3,588,000 | 3,617,000 | 3,382,000 |
| Total capital | 5,726,000 | 5,157,000 | 5,189,000 | 4,918,000 |
| Risk-weighted assets | 140,919,000 | 124,365,000 | 124,567,000 | 121,684,000 |