Call reports 2007
GULFSTREAM BUSINESS BANK — 2007
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 501,853,000 | 516,725,000 | 521,917,000 | 545,216,000 |
| Total loans | 388,128,000 | 396,723,000 | 413,780,000 | 424,560,000 |
| Allowance for loan losses | 5,659,000 | 5,429,000 | 5,449,000 | 5,998,000 |
| Securities available for sale | 55,062,000 | 51,380,000 | 49,757,000 | 59,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,584,000 | 410,354,000 | 409,817,000 | 422,608,000 |
| Interest-bearing deposits | 315,665,000 | 323,903,000 | 324,642,000 | 336,739,000 |
| Noninterest-bearing deposits | 77,920,000 | 86,450,000 | 85,174,000 | 85,869,000 |
| Equity capital | 41,082,000 | 42,304,000 | 43,623,000 | 45,166,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,862,000 | 16,388,000 | 25,139,000 | 33,978,000 |
| Interest expense | 3,870,000 | 7,995,000 | 12,428,000 | 16,963,000 |
| Net interest income | 3,992,000 | 8,393,000 | 12,711,000 | 17,015,000 |
| Noninterest income | 446,000 | 946,000 | 1,379,000 | 1,794,000 |
| Noninterest expense | 2,186,000 | 4,553,000 | 6,921,000 | 9,205,000 |
| Provision for loan losses | 150,000 | 230,000 | 270,000 | 820,000 |
| Pretax income | 2,102,000 | 4,556,000 | 6,899,000 | 8,784,000 |
| Income tax | 784,000 | 1,701,000 | 2,575,000 | 3,244,000 |
| Net income | 1,318,000 | 2,855,000 | 4,324,000 | 5,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,387,000 | 42,932,000 | 43,910,000 | 45,156,000 |
| Total capital | 46,613,000 | 48,273,000 | 49,390,000 | 50,781,000 |
| Risk-weighted assets | 417,672,000 | 426,910,000 | 438,109,000 | 449,284,000 |