Call reports 2009
GOLD COAST BANK — 2009
What GOLD COAST 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 | 60,248,000 | 74,016,000 | 87,186,000 | 92,053,000 |
| Total loans | 24,502,000 | 27,376,000 | 35,773,000 | 41,983,000 |
| Allowance for loan losses | 245,000 | 274,000 | 358,000 | 611,000 |
| Securities available for sale | 14,021,000 | 24,966,000 | 27,199,000 | 27,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,667,000 | 55,875,000 | 69,129,000 | 74,299,000 |
| Interest-bearing deposits | 26,267,000 | 42,113,000 | 47,037,000 | 52,697,000 |
| Noninterest-bearing deposits | 15,400,000 | 13,762,000 | 22,092,000 | 21,602,000 |
| Equity capital | 18,433,000 | 17,556,000 | 17,603,000 | 17,367,000 |
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 | 482,000 | 1,077,000 | 1,854,000 | 2,727,000 |
| Interest expense | 111,000 | 235,000 | 380,000 | 521,000 |
| Net interest income | 371,000 | 842,000 | 1,474,000 | 2,206,000 |
| Noninterest income | 6,000 | 21,000 | 32,000 | 168,000 |
| Noninterest expense | 694,000 | 1,921,000 | 2,764,000 | 3,737,000 |
| Provision for loan losses | 62,000 | 91,000 | 175,000 | 428,000 |
| Pretax income | -379,000 | -1,149,000 | -1,433,000 | -1,791,000 |
| Income tax | 0 | 15,000 | 28,000 | 36,000 |
| Net income | -379,000 | -1,164,000 | -1,461,000 | -1,827,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,248,000 | 17,464,000 | 17,167,000 | 16,801,000 |
| Total capital | 18,493,000 | 17,738,000 | 17,525,000 | 17,412,000 |
| Risk-weighted assets | 33,334,000 | 36,615,000 | 43,640,000 | 50,412,000 |