Call reports 2013
GULFSTREAM BUSINESS BANK — 2013
What GULFSTREAM BUSINESS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 545,111,000 | 570,277,000 | 561,940,000 | 542,984,000 |
| Total loans | 360,571,000 | 368,495,000 | 373,362,000 | 376,288,000 |
| Allowance for loan losses | 13,397,000 | 13,441,000 | 12,552,000 | 11,969,000 |
| Securities available for sale | 52,287,000 | 53,828,000 | 57,250,000 | 61,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,007,000 | 486,237,000 | 473,282,000 | 468,946,000 |
| Interest-bearing deposits | 305,448,000 | 324,112,000 | 306,686,000 | 298,271,000 |
| Noninterest-bearing deposits | 159,560,000 | 162,126,000 | 166,597,000 | 170,675,000 |
| Equity capital | 66,436,000 | 67,408,000 | 68,509,000 | 61,397,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,913,000 | 9,794,000 | 14,826,000 | 19,928,000 |
| Interest expense | 519,000 | 1,035,000 | 1,551,000 | 2,052,000 |
| Net interest income | 4,394,000 | 8,759,000 | 13,275,000 | 17,876,000 |
| Noninterest income | 598,000 | 1,173,000 | 1,686,000 | 2,042,000 |
| Noninterest expense | 3,185,000 | 5,651,000 | 8,543,000 | 13,285,000 |
| Provision for loan losses | 875,000 | 1,048,000 | 1,011,000 | 152,000 |
| Pretax income | 920,000 | 3,221,000 | 5,357,000 | 6,428,000 |
| Income tax | 345,000 | 1,209,000 | 1,978,000 | 2,382,000 |
| Net income | 575,000 | 2,012,000 | 3,379,000 | 4,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,128,000 | 67,505,000 | 68,950,000 | 61,912,000 |
| Total capital | 71,127,000 | 72,572,000 | 74,063,000 | 67,051,000 |
| Risk-weighted assets | 390,184,000 | 395,796,000 | 400,371,000 | 403,827,000 |