Call reports 2015
GOLD COAST BANK — 2015
What GOLD COAST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 344,021,000 | 324,936,000 | 342,761,000 | 349,248,000 |
| Total loans | 215,365,000 | 234,019,000 | 259,462,000 | 275,792,000 |
| Allowance for loan losses | 2,604,000 | 2,924,000 | 3,202,000 | 2,881,000 |
| Securities available for sale | 50,357,000 | 50,285,000 | 47,663,000 | 45,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 1,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,529,000 | 295,534,000 | 312,719,000 | 308,903,000 |
| Interest-bearing deposits | 241,935,000 | 200,690,000 | 204,540,000 | 202,141,000 |
| Noninterest-bearing deposits | 72,594,000 | 94,844,000 | 108,179,000 | 106,762,000 |
| Equity capital | 28,923,000 | 28,865,000 | 29,374,000 | 29,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,615,000 | 5,400,000 | 8,336,000 | 11,615,000 |
| Interest expense | 342,000 | 673,000 | 959,000 | 1,299,000 |
| Net interest income | 2,273,000 | 4,727,000 | 7,377,000 | 10,316,000 |
| Noninterest income | 63,000 | 133,000 | 195,000 | 279,000 |
| Noninterest expense | 1,784,000 | 3,664,000 | 5,615,000 | 7,789,000 |
| Provision for loan losses | 161,000 | 481,000 | 759,000 | 902,000 |
| Pretax income | 391,000 | 715,000 | 1,198,000 | 1,904,000 |
| Income tax | 133,000 | 252,000 | 416,000 | 666,000 |
| Net income | 258,000 | 463,000 | 782,000 | 1,238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,551,000 | 28,766,000 | 29,094,000 | 29,559,000 |
| Total capital | 31,155,000 | 31,690,000 | 32,295,000 | 32,440,000 |
| Risk-weighted assets | 234,160,000 | 247,595,000 | 256,084,000 | 269,736,000 |