Call reports 2012
GULFSTREAM BUSINESS BANK — 2012
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 542,499,000 | 530,536,000 | 533,180,000 | 549,596,000 |
| Total loans | 363,115,000 | 372,778,000 | 368,378,000 | 359,545,000 |
| Allowance for loan losses | 17,633,000 | 18,590,000 | 18,028,000 | 15,731,000 |
| Securities available for sale | 49,552,000 | 57,196,000 | 51,423,000 | 48,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,781,000 | 451,199,000 | 452,059,000 | 474,207,000 |
| Interest-bearing deposits | 307,985,000 | 302,644,000 | 298,223,000 | 302,700,000 |
| Noninterest-bearing deposits | 150,796,000 | 148,555,000 | 153,837,000 | 171,507,000 |
| Equity capital | 62,173,000 | 62,153,000 | 63,387,000 | 65,655,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,703,000 | 11,200,000 | 16,622,000 | 21,820,000 |
| Interest expense | 965,000 | 1,721,000 | 2,384,000 | 2,999,000 |
| Net interest income | 4,738,000 | 9,479,000 | 14,238,000 | 18,821,000 |
| Noninterest income | 635,000 | 778,000 | 1,261,000 | 1,773,000 |
| Noninterest expense | 2,847,000 | 5,919,000 | 8,733,000 | 11,781,000 |
| Provision for loan losses | 1,229,000 | 2,244,000 | 3,043,000 | 1,284,000 |
| Pretax income | 1,237,000 | 2,034,000 | 3,663,000 | 6,457,000 |
| Income tax | 462,000 | 738,000 | 1,247,000 | 2,227,000 |
| Net income | 775,000 | 1,296,000 | 2,416,000 | 4,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,123,000 | 61,995,000 | 63,830,000 | 65,724,000 |
| Total capital | 67,145,000 | 67,150,000 | 68,924,000 | 70,621,000 |
| Risk-weighted assets | 388,004,000 | 397,884,000 | 393,828,000 | 390,049,000 |