Call reports 2015
GULF COAST COMMUNITY BANK — 2015
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 139,481,000 | 138,970,000 | 137,741,000 | 132,094,000 |
| Total loans | 86,280,000 | 85,776,000 | 84,000,000 | 86,113,000 |
| Allowance for loan losses | 2,814,000 | 2,723,000 | 2,856,000 | 2,876,000 |
| Securities available for sale | 19,725,000 | 18,719,000 | 18,287,000 | 17,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,175,000 | 122,092,000 | 120,773,000 | 115,497,000 |
| Interest-bearing deposits | 96,218,000 | 93,458,000 | 92,602,000 | 88,619,000 |
| Noninterest-bearing deposits | 25,958,000 | 28,634,000 | 28,171,000 | 26,878,000 |
| Equity capital | 6,110,000 | 5,694,000 | 5,761,000 | 5,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,282,000 | 2,619,000 | 3,927,000 | 5,236,000 |
| Interest expense | 138,000 | 278,000 | 419,000 | 548,000 |
| Net interest income | 1,144,000 | 2,341,000 | 3,508,000 | 4,688,000 |
| Noninterest income | 258,000 | 605,000 | 886,000 | 1,154,000 |
| Noninterest expense | 1,546,000 | 3,180,000 | 4,784,000 | 6,395,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -89,000 | -157,000 | -313,000 | -476,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -89,000 | -157,000 | -313,000 | -476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,204,000 | 6,136,000 | 5,980,000 | 5,817,000 |
| Total capital | 7,678,000 | 7,613,000 | 7,418,000 | 7,238,000 |
| Risk-weighted assets | 116,624,000 | 117,054,000 | 113,648,000 | 112,203,000 |