Call reports 2016
GOLD COAST BANK — 2016
What GOLD COAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 372,005,000 | 394,904,000 | 400,356,000 | 428,836,000 |
| Total loans | 288,649,000 | 296,790,000 | 303,115,000 | 340,559,000 |
| Allowance for loan losses | 3,025,000 | 3,200,000 | 3,213,000 | 3,558,000 |
| Securities available for sale | 45,979,000 | 45,845,000 | 49,460,000 | 47,537,000 |
| Securities held to maturity | 1,712,000 | 1,712,000 | 3,076,000 | 5,568,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,878,000 | 354,148,000 | 359,140,000 | 367,564,000 |
| Interest-bearing deposits | 228,882,000 | 249,193,000 | 263,454,000 | 255,672,000 |
| Noninterest-bearing deposits | 99,996,000 | 104,955,000 | 95,686,000 | 111,892,000 |
| Equity capital | 32,505,000 | 40,255,000 | 40,757,000 | 40,458,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,368,000 | 6,966,000 | 10,472,000 | 14,124,000 |
| Interest expense | 393,000 | 831,000 | 1,292,000 | 1,784,000 |
| Net interest income | 2,975,000 | 6,135,000 | 9,180,000 | 12,340,000 |
| Noninterest income | 63,000 | 132,000 | 204,000 | 283,000 |
| Noninterest expense | 2,248,000 | 4,421,000 | 6,666,000 | 9,068,000 |
| Provision for loan losses | 144,000 | 319,000 | 332,000 | 677,000 |
| Pretax income | 646,000 | 1,527,000 | 2,441,000 | 2,933,000 |
| Income tax | 228,000 | 537,000 | 857,000 | 1,033,000 |
| Net income | 418,000 | 990,000 | 1,584,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,188,000 | 39,798,000 | 40,412,000 | 40,748,000 |
| Total capital | 35,213,000 | 42,998,000 | 43,625,000 | 44,306,000 |
| Risk-weighted assets | 278,552,000 | 285,767,000 | 292,851,000 | 325,434,000 |