Call reports 2006
GULFSTREAM BUSINESS BANK — 2006
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 404,194,000 | 431,553,000 | 460,039,000 | 473,426,000 |
| Total loans | 310,955,000 | 334,618,000 | 352,933,000 | 370,285,000 |
| Allowance for loan losses | 4,759,000 | 5,009,000 | 5,321,000 | 5,509,000 |
| Securities available for sale | 49,493,000 | 47,782,000 | 46,047,000 | 57,962,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,630,000 | 357,338,000 | 386,788,000 | 382,163,000 |
| Interest-bearing deposits | 234,269,000 | 283,292,000 | 296,046,000 | 310,293,000 |
| Noninterest-bearing deposits | 99,361,000 | 74,046,000 | 90,743,000 | 71,870,000 |
| Equity capital | 32,604,000 | 33,502,000 | 35,222,000 | 39,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,957,000 | 12,343,000 | 19,571,000 | 27,250,000 |
| Interest expense | 2,356,000 | 4,990,000 | 8,327,000 | 12,207,000 |
| Net interest income | 3,601,000 | 7,353,000 | 11,244,000 | 15,043,000 |
| Noninterest income | 420,000 | 882,000 | 1,377,000 | 1,839,000 |
| Noninterest expense | 1,992,000 | 4,070,000 | 6,078,000 | 7,989,000 |
| Provision for loan losses | 375,000 | 625,000 | 938,000 | 1,125,000 |
| Pretax income | 1,654,000 | 3,540,000 | 5,605,000 | 7,768,000 |
| Income tax | 613,000 | 1,315,000 | 2,081,000 | 2,892,000 |
| Net income | 1,041,000 | 2,225,000 | 3,524,000 | 4,876,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,209,000 | 34,394,000 | 35,693,000 | 40,061,000 |
| Total capital | 37,413,000 | 38,902,000 | 40,446,000 | 45,019,000 |
| Risk-weighted assets | 335,794,000 | 360,110,000 | 379,357,000 | 396,552,000 |