Call reports 2016
GULF COAST COMMUNITY BANK — 2016
What GULF COAST COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 132,464,000 | 133,444,000 | 135,417,000 | 121,927,000 |
| Total loans | 87,855,000 | 86,553,000 | 90,130,000 | 91,029,000 |
| Allowance for loan losses | 2,913,000 | 2,823,000 | 2,867,000 | 2,921,000 |
| Securities available for sale | 16,131,000 | 14,888,000 | 14,377,000 | 13,151,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,422,000 | 115,656,000 | 116,615,000 | 111,883,000 |
| Interest-bearing deposits | 85,770,000 | 85,635,000 | 84,666,000 | 81,151,000 |
| Noninterest-bearing deposits | 30,652,000 | 30,020,000 | 31,949,000 | 30,733,000 |
| Equity capital | 5,639,000 | 5,794,000 | 5,788,000 | -5,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,307,000 | 2,568,000 | 3,884,000 | 5,141,000 |
| Interest expense | 114,000 | 215,000 | 318,000 | 410,000 |
| Net interest income | 1,193,000 | 2,353,000 | 3,566,000 | 4,731,000 |
| Noninterest income | 348,000 | 820,000 | 1,162,000 | -8,338,000 |
| Noninterest expense | 1,647,000 | 3,228,000 | 4,905,000 | 7,265,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -42,000 | 26,000 | -96,000 | -10,791,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -42,000 | 26,000 | -96,000 | -10,791,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,776,000 | 5,843,000 | 5,722,000 | -4,974,000 |
| Total capital | 7,231,000 | 7,275,000 | 7,198,000 | -3,624,000 |
| Risk-weighted assets | 114,930,000 | 113,198,000 | 116,743,000 | 106,407,000 |