Call reports 2009
GULFSTREAM BUSINESS BANK — 2009
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 581,727,000 | 592,241,000 | 608,682,000 | 564,402,000 |
| Total loans | 454,151,000 | 445,970,000 | 430,756,000 | 420,438,000 |
| Allowance for loan losses | 6,850,000 | 8,107,000 | 12,227,000 | 15,258,000 |
| Securities available for sale | 56,545,000 | 60,541,000 | 72,644,000 | 65,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 462,112,000 | 463,765,000 | 482,056,000 | 443,069,000 |
| Interest-bearing deposits | 379,010,000 | 377,483,000 | 389,716,000 | 348,613,000 |
| Noninterest-bearing deposits | 83,101,000 | 86,283,000 | 92,340,000 | 94,456,000 |
| Equity capital | 56,117,000 | 63,850,000 | 61,781,000 | 58,918,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,839,000 | 15,553,000 | 22,925,000 | 30,417,000 |
| Interest expense | 2,995,000 | 5,736,000 | 8,409,000 | 10,767,000 |
| Net interest income | 4,844,000 | 9,817,000 | 14,516,000 | 19,650,000 |
| Noninterest income | 423,000 | 851,000 | 1,264,000 | 1,732,000 |
| Noninterest expense | 2,638,000 | 5,661,000 | 8,586,000 | 12,181,000 |
| Provision for loan losses | 500,000 | 2,050,000 | 8,225,000 | 14,600,000 |
| Pretax income | 2,129,000 | 2,957,000 | -1,031,000 | -5,399,000 |
| Income tax | 795,000 | 1,102,000 | -443,000 | -2,093,000 |
| Net income | 1,334,000 | 1,855,000 | -588,000 | -3,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,362,000 | 63,563,000 | 61,153,000 | 58,467,000 |
| Total capital | 61,388,000 | 69,578,000 | 67,228,000 | 64,312,000 |
| Risk-weighted assets | 481,054,000 | 485,851,000 | 480,724,000 | 463,709,000 |
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