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Gulf Coast Business Bank, Income and Expense

2025-03-31 (YTD Data)Rank
Total interest income$1,986,0003,296
Total interest expense$803,0002,961
Net interest income$1,183,0003,433
Provision for loan and lease losses$183,0001,074
Total noninterest income$97,0003,475
Gross Fiduciary activities income$0918
Service charges on deposit accounts$22,0003,372
Trading account gains and feesNANA
Additional Noninterest Income$75,0003,249
Total noninterest expense$1,583,0002,788
Salaries and employee benefits$1,107,0002,462
Premises and equipment expense$104,0003,193
Additional noninterest expense$75,0003,249
Pre-tax net operating income$-486,0004,392
Securities gains (losses)$0665
Applicable income taxes$03,151
Income before extraordinary items$-486,0004,371
Extraordinary gains, net$047
Net income$-486,0004,369
Minority interest net income$065
Net income of bank and minority interests.$-486,0004,371
Net charge-offs$02,299
Cash dividends$02,364
Sale, conversion, retirement of capital stock, net$313,000192
Net operating income$-486,0004,384
2024-12-31 (YTD Data)Rank
Total interest income$6,337,0003,509
Total interest expense$2,436,0003,257
Net interest income$3,901,0003,604
Provision for loan and lease losses$572,0001,283
Total noninterest income$116,0004,144
Gross Fiduciary activities income$01,000
Service charges on deposit accounts$58,0003,669
Trading account gains and feesNANA
Additional Noninterest Income$58,0004,091
Total noninterest expense$5,645,0002,925
Salaries and employee benefits$3,897,0002,607
Premises and equipment expense$405,0003,239
Additional noninterest expense$58,0004,091
Pre-tax net operating income$-2,200,0004,425
Securities gains (losses)$0940
Applicable income taxes$03,278
Income before extraordinary items$-2,200,0004,403
Extraordinary gains, net$053
Net income$-2,200,0004,403
Minority interest net income$090
Net income of bank and minority interests.$-2,200,0004,403
Net charge-offs$9,0002,715
Cash dividends$03,434
Sale, conversion, retirement of capital stock, net$175,000410
Net operating income$-2,200,0004,416
2024-09-30 (YTD Data)Rank
Total interest income$4,583,0003,548
Total interest expense$1,744,0003,301
Net interest income$2,839,0003,645
Provision for loan and lease losses$405,0001,235
Total noninterest income$81,0004,185
Gross Fiduciary activities income$0972
Service charges on deposit accounts$38,0003,759
Trading account gains and feesNANA
Additional Noninterest Income$43,0004,111
Total noninterest expense$4,330,0002,880
Salaries and employee benefits$2,968,0002,566
Premises and equipment expense$306,0003,221
Additional noninterest expense$43,0004,111
Pre-tax net operating income$-1,815,0004,465
Securities gains (losses)$0930
Applicable income taxes$03,278
Income before extraordinary items$-1,815,0004,450
Extraordinary gains, net$051
Net income$-1,815,0004,451
Minority interest net income$082
Net income of bank and minority interests.$-1,815,0004,451
Net charge-offs$9,0002,396
Cash dividends$03,076
Sale, conversion, retirement of capital stock, net$130,000392
Net operating income$-1,815,0004,460
2024-06-30 (YTD Data)Rank
Total interest income$2,917,0003,601
Total interest expense$1,084,0003,358
Net interest income$1,833,0003,676
Provision for loan and lease losses$328,0001,039
Total noninterest income$39,0004,285
Gross Fiduciary activities income$0962
Service charges on deposit accounts$21,0003,867
Trading account gains and feesNANA
Additional Noninterest Income$18,0004,209
Total noninterest expense$2,916,0002,852
Salaries and employee benefits$2,009,0002,539
Premises and equipment expense$205,0003,204
Additional noninterest expense$18,0004,214
Pre-tax net operating income$-1,372,0004,500
Securities gains (losses)$0628
Applicable income taxes$03,283
Income before extraordinary items$-1,372,0004,483
Extraordinary gains, net$052
Net income$-1,372,0004,484
Minority interest net income$084
Net income of bank and minority interests.$-1,372,0004,485
Net charge-offs$02,587
Cash dividends$02,949
Sale, conversion, retirement of capital stock, net$91,000370
Net operating income$-1,372,0004,490
2024-03-31 (YTD Data)Rank
Total interest income$1,401,0003,638
Total interest expense$515,0003,380
Net interest income$886,0003,712
Provision for loan and lease losses$276,000706
Total noninterest income$18,0004,301
Gross Fiduciary activities income$0895
Service charges on deposit accounts$10,0003,889
Trading account gains and feesNANA
Additional Noninterest Income$8,0004,250
Total noninterest expense$1,451,0002,858
Salaries and employee benefits$1,000,0002,547
Premises and equipment expense$104,0003,178
Additional noninterest expense$8,0004,280
Pre-tax net operating income$-823,0004,524
Securities gains (losses)$0689
Applicable income taxes$03,183
Income before extraordinary items$-823,0004,506
Extraordinary gains, net$051
Net income$-823,0004,506
Minority interest net income$072
Net income of bank and minority interests.$-823,0004,506
Net charge-offs$02,217
Cash dividends$02,345
Sale, conversion, retirement of capital stock, net$46,000304
Net operating income$-823,0004,518
2023-12-31 (YTD Data)Rank
Total interest income$4,138,0003,858
Total interest expense$1,145,0003,598
Net interest income$2,993,0003,897
Provision for loan and lease losses$423,0001,391
Total noninterest income$44,0004,427
Gross Fiduciary activities income$0981
Service charges on deposit accounts$21,0004,180
Trading account gains and feesNANA
Additional Noninterest Income$23,0004,339
Total noninterest expense$4,968,0003,058
Salaries and employee benefits$3,506,0002,714
Premises and equipment expense$385,0003,310
Additional noninterest expense$23,0004,339
Pre-tax net operating income$-2,354,0004,542
Securities gains (losses)$0988
Applicable income taxes$03,369
Income before extraordinary items$-2,354,0004,520
Extraordinary gains, net$054
Net income$-2,354,0004,519
Minority interest net income$088
Net income of bank and minority interests.$-2,354,0004,520
Net charge-offs$5,0002,589
Cash dividends$03,459
Sale, conversion, retirement of capital stock, net$160,000378
Net operating income$-2,354,0004,532
2023-09-30 (YTD Data)Rank
Total interest income$2,848,0003,935
Total interest expense$725,0003,656
Net interest income$2,123,0003,973
Provision for loan and lease losses$390,0001,160
Total noninterest income$28,0004,467
Gross Fiduciary activities income$0950
Service charges on deposit accounts$13,0004,229
Trading account gains and feesNANA
Additional Noninterest Income$15,0004,373
Total noninterest expense$3,778,0003,024
Salaries and employee benefits$2,627,0002,707
Premises and equipment expense$284,0003,335
Additional noninterest expense$15,0004,378
Pre-tax net operating income$-2,017,0004,539
Securities gains (losses)$0849
Applicable income taxes$03,407
Income before extraordinary items$-2,017,0004,562
Extraordinary gains, net$052
Net income$-2,017,0004,560
Minority interest net income$081
Net income of bank and minority interests.$-2,017,0004,562
Net charge-offs$5,0002,314
Cash dividends$03,078
Sale, conversion, retirement of capital stock, net$117,000369
Net operating income$-2,017,0004,568
2023-06-30 (YTD Data)Rank
Total interest income$1,669,0004,017
Total interest expense$401,0003,699
Net interest income$1,268,0004,091
Provision for loan and lease losses$290,0001,086
Total noninterest income$15,0004,520
Gross Fiduciary activities income$0931
Service charges on deposit accounts$7,0004,286
Trading account gains and feesNANA
Additional Noninterest Income$8,0004,450
Total noninterest expense$2,496,0003,037
Salaries and employee benefits$1,726,0002,734
Premises and equipment expense$187,0003,350
Additional noninterest expense$8,0004,442
Pre-tax net operating income$-1,503,0004,582
Securities gains (losses)$0938
Applicable income taxes$03,436
Income before extraordinary items$-1,503,0004,603
Extraordinary gains, net$051
Net income$-1,503,0004,601
Minority interest net income$081
Net income of bank and minority interests.$-1,503,0004,602
Net charge-offs$02,431
Cash dividends$02,952
Sale, conversion, retirement of capital stock, net$76,000359
Net operating income$-1,503,0004,605
2023-03-31 (YTD Data)Rank
Total interest income$668,0004,214
Total interest expense$154,0003,774
Net interest income$514,0004,252
Provision for loan and lease losses$104,0001,262
Total noninterest income$5,0004,598
Gross Fiduciary activities income$0913
Service charges on deposit accounts$2,0004,397
Trading account gains and feesNANA
Additional Noninterest Income$3,0004,499
Total noninterest expense$1,170,0003,166
Salaries and employee benefits$811,0002,863
Premises and equipment expense$87,0003,498
Additional noninterest expense$3,0004,499
Pre-tax net operating income$-755,0004,630
Securities gains (losses)$0950
Applicable income taxes$03,388
Income before extraordinary items$-755,0004,612
Extraordinary gains, net$04
Net income$-755,0004,611
Minority interest net income$048
Net income of bank and minority interests.$-755,0004,612
Net charge-offs$02,062
Cash dividends$02,337
Sale, conversion, retirement of capital stock, net$37,000337
Net operating income$-755,0004,622
2022-12-31 (YTD Data)Rank
Total interest income$719,0004,605
Total interest expense$111,0004,356
Net interest income$608,0004,614
Provision for loan and lease losses$222,0001,740
Total noninterest income$7,0004,660
Gross Fiduciary activities income$01,005
Service charges on deposit accounts$2,0004,515
Trading account gains and feesNANA
Additional Noninterest Income$5,0004,587
Total noninterest expense$3,113,0003,677
Salaries and employee benefits$1,497,0003,832
Premises and equipment expense$205,0004,000
Additional noninterest expense$5,0004,587
Pre-tax net operating income$-2,720,0004,685
Securities gains (losses)$0691
Applicable income taxes$03,596
Income before extraordinary items$-2,720,0004,670
Extraordinary gains, net$05
Net income$-2,720,0004,669
Minority interest net income$063
Net income of bank and minority interests.$-2,720,0004,670
Net charge-offs$02,620
Cash dividends$03,475
Sale, conversion, retirement of capital stock, net$23,566,00043
Net operating income$-2,720,0004,674
2022-09-30 (YTD Data)Rank
Total interest income$248,0004,690
Total interest expense$26,0004,608
Net interest income$222,0004,689
Provision for loan and lease losses$120,0001,768
Total noninterest income$2,0004,703
Gross Fiduciary activities income$0968
Service charges on deposit accounts$1,0004,559
Trading account gains and feesNANA
Additional Noninterest Income$1,0004,644
Total noninterest expense$2,220,0003,727
Salaries and employee benefits$855,0004,080
Premises and equipment expense$118,0004,222
Additional noninterest expense$1,0004,644
Pre-tax net operating income$-2,116,0004,734
Securities gains (losses)$0740
Applicable income taxes$03,603
Income before extraordinary items$-2,116,0004,704
Extraordinary gains, net$04
Net income$-2,116,0004,704
Minority interest net income$057
Net income of bank and minority interests.$-2,116,0004,704
Net charge-offs$02,349
Cash dividends$03,099
Sale, conversion, retirement of capital stock, net$23,557,00037
Net operating income$-2,116,0004,720
2022-06-30 (YTD Data)Rank
Total interest income$19,0004,763
Total interest expense$04,753
Net interest income$19,0004,762
Provision for loan and lease losses$02,599
Total noninterest income$04,732
Gross Fiduciary activities income$0925
Service charges on deposit accounts$04,638
Trading account gains and feesNANA
Additional Noninterest Income$04,696
Total noninterest expense$1,258,0003,934
Salaries and employee benefits$197,0004,662
Premises and equipment expense$22,0004,682
Additional noninterest expense$1,039,0002,557
Pre-tax net operating income$-1,239,0004,741
Securities gains (losses)$0687
Applicable income taxes$03,564
Income before extraordinary items$-1,239,0004,715
Extraordinary gains, net$04
Net income$-1,239,0004,715
Minority interest net income$060
Net income of bank and minority interests.$-1,239,0004,715
Net charge-offs$02,156
Cash dividends$02,961
Sale, conversion, retirement of capital stock, net$23,521,00029
Net operating income$-1,239,0004,734

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.