Call reports 2025
GULF CAPITAL BANK — 2025
What GULF CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 568,806,000 | 582,248,000 | 581,148,000 | 588,671,000 |
| Total loans | 269,551,000 | 304,256,000 | 333,228,000 | 351,359,000 |
| Allowance for loan losses | 3,134,000 | 3,335,000 | 3,535,000 | 4,093,000 |
| Securities available for sale | 275,593,000 | 256,513,000 | 230,779,000 | 208,187,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 421,104,000 | 435,554,000 | 459,740,000 | 493,637,000 |
| Interest-bearing deposits | 354,248,000 | 370,989,000 | 398,124,000 | 425,430,000 |
| Noninterest-bearing deposits | 66,856,000 | 64,565,000 | 61,616,000 | 68,207,000 |
| Equity capital | 72,242,000 | 72,564,000 | 75,529,000 | 78,523,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 7,677,000 | 16,224,000 | 25,266,000 | 34,323,000 |
| Interest expense | 4,021,000 | 8,649,000 | 13,416,000 | 18,074,000 |
| Net interest income | 3,656,000 | 7,575,000 | 11,850,000 | 16,249,000 |
| Noninterest income | 200,000 | 425,000 | 641,000 | 846,000 |
| Noninterest expense | 3,004,000 | 6,458,000 | 10,045,000 | 14,440,000 |
| Provision for loan losses | 450,000 | 651,000 | 851,000 | -1,848,000 |
| Pretax income | 362,000 | 791,000 | 1,492,000 | 3,927,000 |
| Income tax | 15,000 | 33,000 | 63,000 | 165,000 |
| Net income | 347,000 | 758,000 | 1,429,000 | 3,762,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,606,000 | 77,039,000 | 77,733,000 | 80,088,000 |
| Total capital | 80,045,000 | 80,739,000 | 81,653,000 | 84,710,000 |
| Risk-weighted assets | 423,505,000 | 460,669,000 | 454,680,000 | 481,314,000 |