Call reports 2012
GOLD COAST BANK — 2012
What GOLD COAST 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 | 159,892,000 | 174,776,000 | 190,701,000 | 202,306,000 |
| Total loans | 92,466,000 | 112,792,000 | 120,894,000 | 126,542,000 |
| Allowance for loan losses | 1,270,000 | 1,402,000 | 1,463,000 | 1,480,000 |
| Securities available for sale | 47,061,000 | 44,594,000 | 43,623,000 | 44,617,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,334,000 | 150,836,000 | 171,110,000 | 182,019,000 |
| Interest-bearing deposits | 72,046,000 | 82,849,000 | 99,176,000 | 106,142,000 |
| Noninterest-bearing deposits | 69,288,000 | 67,987,000 | 71,934,000 | 75,877,000 |
| Equity capital | 18,171,000 | 18,588,000 | 19,111,000 | 19,850,000 |
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 | 1,480,000 | 3,116,000 | 4,873,000 | 6,665,000 |
| Interest expense | 103,000 | 215,000 | 358,000 | 513,000 |
| Net interest income | 1,377,000 | 2,901,000 | 4,515,000 | 6,152,000 |
| Noninterest income | 55,000 | 113,000 | 157,000 | 203,000 |
| Noninterest expense | 1,212,000 | 2,519,000 | 3,917,000 | 5,509,000 |
| Provision for loan losses | 0 | 129,000 | 190,000 | 206,000 |
| Pretax income | 220,000 | 366,000 | 565,000 | 640,000 |
| Income tax | -86,000 | -184,000 | -311,000 | -1,156,000 |
| Net income | 306,000 | 550,000 | 876,000 | 1,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,704,000 | 17,953,000 | 18,286,000 | 18,441,000 |
| Total capital | 18,974,000 | 19,355,000 | 19,749,000 | 19,921,000 |
| Risk-weighted assets | 102,180,000 | 120,802,000 | 130,848,000 | 139,164,000 |