Call reports 2005
GULFSTREAM BUSINESS BANK — 2005
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 335,882,000 | 353,393,000 | 364,843,000 | 371,423,000 |
| Total loans | 247,802,000 | 263,806,000 | 275,603,000 | 280,896,000 |
| Allowance for loan losses | 3,347,000 | 3,721,000 | 3,977,000 | 4,384,000 |
| Securities available for sale | 34,568,000 | 33,909,000 | 52,056,000 | 44,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,861,000 | 298,193,000 | 308,113,000 | 308,634,000 |
| Interest-bearing deposits | 216,227,000 | 226,584,000 | 216,009,000 | 213,842,000 |
| Noninterest-bearing deposits | 62,634,000 | 71,609,000 | 92,105,000 | 94,791,000 |
| Equity capital | 29,076,000 | 30,345,000 | 31,337,000 | 32,139,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,019,000 | 8,658,000 | 13,846,000 | 19,289,000 |
| Interest expense | 1,094,000 | 2,497,000 | 4,165,000 | 6,127,000 |
| Net interest income | 2,925,000 | 6,161,000 | 9,681,000 | 13,162,000 |
| Noninterest income | 366,000 | 972,000 | 1,381,000 | 1,796,000 |
| Noninterest expense | 1,568,000 | 3,295,000 | 5,162,000 | 6,974,000 |
| Provision for loan losses | 252,000 | 624,000 | 876,000 | 1,223,000 |
| Pretax income | 1,471,000 | 3,214,000 | 5,024,000 | 6,583,000 |
| Income tax | 543,000 | 1,189,000 | 1,859,000 | 2,436,000 |
| Net income | 928,000 | 2,025,000 | 3,165,000 | 4,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,450,000 | 30,547,000 | 31,687,000 | 32,668,000 |
| Total capital | 32,780,000 | 34,089,000 | 35,399,000 | 36,479,000 |
| Risk-weighted assets | 266,422,000 | 283,153,000 | 296,730,000 | 303,547,000 |