Call reports 2004
GULFSTREAM BUSINESS BANK — 2004
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 235,321,000 | 251,134,000 | 267,927,000 | 294,956,000 |
| Total loans | 170,349,000 | 188,710,000 | 201,203,000 | 225,925,000 |
| Allowance for loan losses | 2,488,000 | 2,671,000 | 2,880,000 | 3,093,000 |
| Securities available for sale | 22,102,000 | 27,077,000 | 26,797,000 | 31,843,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,895,000 | 207,704,000 | 224,136,000 | 247,776,000 |
| Interest-bearing deposits | 153,863,000 | 162,323,000 | 170,125,000 | 184,435,000 |
| Noninterest-bearing deposits | 44,032,000 | 45,381,000 | 54,010,000 | 63,341,000 |
| Equity capital | 19,683,000 | 19,934,000 | 20,896,000 | 28,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,721,000 | 5,619,000 | 8,843,000 | 12,448,000 |
| Interest expense | 737,000 | 1,462,000 | 2,303,000 | 3,244,000 |
| Net interest income | 1,984,000 | 4,157,000 | 6,540,000 | 9,204,000 |
| Noninterest income | 187,000 | 418,000 | 720,000 | 993,000 |
| Noninterest expense | 1,215,000 | 2,469,000 | 3,844,000 | 5,265,000 |
| Provision for loan losses | 180,000 | 360,000 | 585,000 | 795,000 |
| Pretax income | 776,000 | 1,746,000 | 2,831,000 | 4,137,000 |
| Income tax | 284,000 | 643,000 | 1,041,000 | 1,519,000 |
| Net income | 492,000 | 1,103,000 | 1,790,000 | 2,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,597,000 | 20,207,000 | 20,894,000 | 28,522,000 |
| Total capital | 21,914,000 | 22,740,000 | 23,570,000 | 31,537,000 |
| Risk-weighted assets | 185,151,000 | 202,524,000 | 213,867,000 | 241,089,000 |