Call reports 2014
GOLD COAST BANK — 2014
What GOLD COAST BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 252,312,000 | 260,625,000 | 276,170,000 | 323,851,000 |
| Total loans | 171,654,000 | 193,190,000 | 196,116,000 | 209,981,000 |
| Allowance for loan losses | 1,860,000 | 1,994,000 | 2,128,000 | 2,443,000 |
| Securities available for sale | 48,381,000 | 49,503,000 | 49,003,000 | 49,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,827,000 | 206,727,000 | 242,173,000 | 294,901,000 |
| Interest-bearing deposits | 162,197,000 | 160,602,000 | 191,871,000 | 194,165,000 |
| Noninterest-bearing deposits | 51,630,000 | 46,125,000 | 50,302,000 | 100,736,000 |
| Equity capital | 27,899,000 | 28,194,000 | 28,347,000 | 28,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,131,000 | 4,393,000 | 6,881,000 | 9,398,000 |
| Interest expense | 245,000 | 499,000 | 792,000 | 1,108,000 |
| Net interest income | 1,886,000 | 3,894,000 | 6,089,000 | 8,290,000 |
| Noninterest income | 58,000 | 111,000 | 187,000 | 254,000 |
| Noninterest expense | 1,665,000 | 3,623,000 | 5,300,000 | 7,070,000 |
| Provision for loan losses | 35,000 | 169,000 | 303,000 | 618,000 |
| Pretax income | 244,000 | 252,000 | 712,000 | 895,000 |
| Income tax | 102,000 | 105,000 | 299,000 | 568,000 |
| Net income | 142,000 | 147,000 | 413,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,487,000 | 27,606,000 | 27,766,000 | 28,187,000 |
| Total capital | 29,347,000 | 29,600,000 | 29,894,000 | 30,630,000 |
| Risk-weighted assets | 184,243,000 | 198,315,000 | 207,861,000 | 221,676,000 |