Call reports 2008
GULFSTREAM BUSINESS BANK — 2008
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 533,064,000 | 568,807,000 | 586,025,000 | 569,811,000 |
| Total loans | 440,082,000 | 445,523,000 | 453,700,000 | 456,939,000 |
| Allowance for loan losses | 6,147,000 | 6,359,000 | 6,411,000 | 6,343,000 |
| Securities available for sale | 50,591,000 | 66,614,000 | 61,606,000 | 60,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,685,000 | 449,278,000 | 458,416,000 | 453,374,000 |
| Interest-bearing deposits | 318,818,000 | 352,909,000 | 378,802,000 | 363,687,000 |
| Noninterest-bearing deposits | 91,866,000 | 96,370,000 | 79,614,000 | 89,687,000 |
| Equity capital | 46,953,000 | 47,363,000 | 48,417,000 | 51,007,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 8,473,000 | 16,800,000 | 25,250,000 | 33,629,000 |
| Interest expense | 4,200,000 | 7,974,000 | 11,643,000 | 15,133,000 |
| Net interest income | 4,273,000 | 8,826,000 | 13,607,000 | 18,496,000 |
| Noninterest income | 435,000 | 824,000 | 1,228,000 | 1,781,000 |
| Noninterest expense | 2,464,000 | 4,827,000 | 7,324,000 | 9,547,000 |
| Provision for loan losses | 150,000 | 425,000 | 1,037,000 | 1,787,000 |
| Pretax income | 2,094,000 | 4,398,000 | 6,474,000 | 8,943,000 |
| Income tax | 781,000 | 1,640,000 | 2,374,000 | 3,297,000 |
| Net income | 1,313,000 | 2,758,000 | 4,100,000 | 5,646,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,439,000 | 47,901,000 | 48,760,000 | 50,338,000 |
| Total capital | 52,164,000 | 53,780,000 | 54,803,000 | 56,359,000 |
| Risk-weighted assets | 457,494,000 | 469,499,000 | 482,828,000 | 481,136,000 |