Institution Statistics
| Gulf Coast Bank and Trust Company | | FDIC Certificate # | 32974 | | BankRate Report | View | | Year Established | 1990 | | Employees | 325 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $914.09 million | | Loans | $646.83 million | | Deposits | $776.75 million | | Equity Capital | $79.59 million | | Loan Loss Allowance | $11.00 million | | Unbacked Noncurrent Loans | $30.85 million | | Real Estate Owned | $5.75 million |
Historic Data - March 2011 | | Assets | $894.68 million | | Equity Capital | $75.11 million | | Loan Loss Allowance | $10.14 million | | Unbacked Noncurrent Loans | $34.82 million | | Real Estate Owned | $11.63 million |
Profit Margin - Quarterly | | Net Interest Margin | 6.08% | | Return on Assets | 0.71% | | Return on Equity | 8.18% | | Interest Income | $15.52 million |
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Institution Health
Overall Score:
3 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Gulf Coast Bank & Trust Co. had $36.6 million in non-current loans and owned real-estate with $90.59 million in equity and loan loss allowances on hand to cover it. This gives Gulf Coast Bank & Trust Co. a Texas Ratio of 40.40% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Gulf Coast Bank & Trust Co. decreased slightly from 53.77% as of March 31, 2011 to 40.40% as of March 31, 2012, resulting in a positive change of 24.86%.This indicates that the balance sheet and financial strength for Gulf Coast Bank & Trust Co. has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Gulf Coast Bank & Trust Co. has increased its total deposits by $34.28 million, resulting in 4.62% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gulf Coast Bank & Trust Co. has shown is above average. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gulf Coast Bank & Trust Co. has $914.09 million in assets with $90.59 million in equity, resulting in a capitalization level of 9.91%, which is average. |
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