Call reports 2002
GULFSTREAM BUSINESS BANK — 2002
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 120,178,000 | 132,727,000 | 143,058,000 | 164,296,000 |
| Total loans | 88,326,000 | 96,648,000 | 105,474,000 | 124,525,000 |
| Allowance for loan losses | 1,415,000 | 1,578,000 | 1,740,000 | 1,893,000 |
| Securities available for sale | 14,655,000 | 15,527,000 | 18,971,000 | 15,248,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,639,000 | 110,143,000 | 116,549,000 | 136,101,000 |
| Interest-bearing deposits | 78,171,000 | 91,924,000 | 94,389,000 | 108,995,000 |
| Noninterest-bearing deposits | 18,468,000 | 18,219,000 | 22,161,000 | 27,106,000 |
| Equity capital | 11,219,000 | 11,663,000 | 12,016,000 | 12,382,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,816,000 | 3,754,000 | 5,793,000 | 7,905,000 |
| Interest expense | 601,000 | 1,247,000 | 1,943,000 | 2,659,000 |
| Net interest income | 1,215,000 | 2,507,000 | 3,850,000 | 5,246,000 |
| Noninterest income | 73,000 | 174,000 | 305,000 | 490,000 |
| Noninterest expense | 693,000 | 1,456,000 | 2,255,000 | 3,106,000 |
| Provision for loan losses | 180,000 | 345,000 | 505,000 | 655,000 |
| Pretax income | 415,000 | 880,000 | 1,395,000 | 1,975,000 |
| Income tax | 157,000 | 333,000 | 527,000 | 746,000 |
| Net income | 258,000 | 547,000 | 868,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,243,000 | 11,532,000 | 11,853,000 | 12,215,000 |
| Total capital | 12,430,000 | 12,839,000 | 13,247,000 | 13,868,000 |
| Risk-weighted assets | 94,710,000 | 104,317,000 | 111,156,000 | 132,036,000 |