Call reports 2003
GULFSTREAM BUSINESS BANK — 2003
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 174,368,000 | 182,998,000 | 191,234,000 | 206,502,000 |
| Total loans | 130,470,000 | 142,044,000 | 150,935,000 | 165,990,000 |
| Allowance for loan losses | 2,076,000 | 2,259,000 | 2,121,000 | 2,305,000 |
| Securities available for sale | 17,101,000 | 19,224,000 | 19,116,000 | 24,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,207,000 | 153,455,000 | 157,195,000 | 169,929,000 |
| Interest-bearing deposits | 119,165,000 | 122,784,000 | 126,462,000 | 133,304,000 |
| Noninterest-bearing deposits | 28,042,000 | 30,671,000 | 30,733,000 | 36,625,000 |
| Equity capital | 12,670,000 | 14,159,000 | 17,116,000 | 17,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,204,000 | 4,533,000 | 6,938,000 | 9,552,000 |
| Interest expense | 721,000 | 1,432,000 | 2,102,000 | 2,789,000 |
| Net interest income | 1,483,000 | 3,101,000 | 4,836,000 | 6,763,000 |
| Noninterest income | 259,000 | 480,000 | 725,000 | 933,000 |
| Noninterest expense | 1,024,000 | 2,164,000 | 3,327,000 | 4,530,000 |
| Provision for loan losses | 180,000 | 360,000 | 550,000 | 730,000 |
| Pretax income | 538,000 | 1,057,000 | 1,684,000 | 2,436,000 |
| Income tax | 203,000 | 391,000 | 592,000 | 851,000 |
| Net income | 335,000 | 666,000 | 1,092,000 | 1,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,549,000 | 14,041,000 | 17,131,000 | 17,625,000 |
| Total capital | 14,274,000 | 15,877,000 | 19,121,000 | 19,827,000 |
| Risk-weighted assets | 137,617,000 | 146,435,000 | 159,075,000 | 176,096,000 |