Call reports 2013
GOLD COAST BANK — 2013
What GOLD COAST 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 | 230,107,000 | 223,970,000 | 232,638,000 | 244,136,000 |
| Total loans | 130,044,000 | 136,618,000 | 145,418,000 | 164,626,000 |
| Allowance for loan losses | 1,480,000 | 1,539,000 | 1,635,000 | 1,825,000 |
| Securities available for sale | 51,149,000 | 50,238,000 | 49,289,000 | 47,860,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,674,000 | 199,875,000 | 205,669,000 | 211,607,000 |
| Interest-bearing deposits | 140,567,000 | 130,787,000 | 131,849,000 | 145,936,000 |
| Noninterest-bearing deposits | 69,107,000 | 69,088,000 | 73,820,000 | 65,671,000 |
| Equity capital | 19,857,000 | 23,433,000 | 26,159,000 | 27,045,000 |
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 | 1,872,000 | 3,851,000 | 5,922,000 | 8,000,000 |
| Interest expense | 193,000 | 411,000 | 596,000 | 801,000 |
| Net interest income | 1,679,000 | 3,440,000 | 5,326,000 | 7,199,000 |
| Noninterest income | 76,000 | 165,000 | 243,000 | 325,000 |
| Noninterest expense | 1,585,000 | 3,165,000 | 4,707,000 | 6,323,000 |
| Provision for loan losses | 0 | 58,000 | 154,000 | 344,000 |
| Pretax income | 170,000 | 428,000 | 754,000 | 903,000 |
| Income tax | 68,000 | 171,000 | 302,000 | 361,000 |
| Net income | 102,000 | 257,000 | 452,000 | 542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,482,000 | 22,278,000 | 25,004,000 | 26,703,000 |
| Total capital | 19,962,000 | 23,817,000 | 26,639,000 | 28,528,000 |
| Risk-weighted assets | 146,408,000 | 151,299,000 | 160,536,000 | 178,239,000 |