Call reports 2014
GULF COAST COMMUNITY BANK — 2014
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 156,711,000 | 150,124,000 | 141,942,000 | 137,283,000 |
| Total loans | 94,682,000 | 88,224,000 | 85,756,000 | 85,431,000 |
| Allowance for loan losses | 2,699,000 | 2,765,000 | 2,785,000 | 2,795,000 |
| Securities available for sale | 21,765,000 | 20,948,000 | 20,470,000 | 20,235,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,489,000 | 133,392,000 | 124,911,000 | 120,108,000 |
| Interest-bearing deposits | 116,587,000 | 108,011,000 | 98,795,000 | 96,360,000 |
| Noninterest-bearing deposits | 23,902,000 | 25,381,000 | 26,116,000 | 23,748,000 |
| Equity capital | 4,961,000 | 5,510,000 | 5,768,000 | 6,098,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,491,000 | 2,962,000 | 4,308,000 | 5,626,000 |
| Interest expense | 192,000 | 360,000 | 504,000 | 642,000 |
| Net interest income | 1,299,000 | 2,602,000 | 3,804,000 | 4,984,000 |
| Noninterest income | 291,000 | 657,000 | 1,259,000 | 1,651,000 |
| Noninterest expense | 1,528,000 | 3,110,000 | 4,776,000 | 6,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 62,000 | 168,000 | 306,000 | 215,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 62,000 | 168,000 | 306,000 | 215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,120,000 | 6,227,000 | 6,383,000 | 6,293,000 |
| Total capital | 7,625,000 | 7,655,000 | 7,771,000 | 7,674,000 |
| Risk-weighted assets | 119,196,000 | 112,873,000 | 109,675,000 | 109,043,000 |