Call reports 2004
BAYLAKE BANK — 2004
What BAYLAKE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 992,925,000 | 1,005,256,000 | 1,029,500,000 | 1,047,593,000 |
| Total loans | 731,391,000 | 741,898,000 | 754,519,000 | 758,578,000 |
| Allowance for loan losses | 12,651,000 | 13,080,000 | 12,957,000 | 10,445,000 |
| Securities available for sale | 181,908,000 | 179,644,000 | 189,509,000 | 194,886,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 776,193,000 | 781,937,000 | 805,145,000 | 848,252,000 |
| Interest-bearing deposits | 680,706,000 | 676,474,000 | 689,426,000 | 727,076,000 |
| Noninterest-bearing deposits | 95,487,000 | 105,463,000 | 115,719,000 | 121,176,000 |
| Equity capital | 84,542,000 | 82,489,000 | 86,801,000 | 88,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 11,918,000 | 24,204,000 | 37,058,000 | 50,675,000 |
| Interest expense | 3,615,000 | 7,082,000 | 10,656,000 | 14,690,000 |
| Net interest income | 8,303,000 | 17,122,000 | 26,402,000 | 35,985,000 |
| Noninterest income | 1,947,000 | 4,556,000 | 6,963,000 | 9,340,000 |
| Noninterest expense | 6,390,000 | 12,881,000 | 19,571,000 | 26,569,000 |
| Provision for loan losses | 775,000 | 1,499,000 | 1,569,000 | 1,599,000 |
| Pretax income | 3,085,000 | 7,298,000 | 12,225,000 | 17,161,000 |
| Income tax | 910,000 | 2,252,000 | 3,838,000 | 5,261,000 |
| Net income | 2,175,000 | 5,046,000 | 8,387,000 | 11,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,682,000 | 77,367,000 | 78,759,000 | 81,076,000 |
| Total capital | 86,134,000 | 87,914,000 | 89,635,000 | 91,521,000 |
| Risk-weighted assets | 833,922,000 | 841,225,000 | 868,013,000 | 869,752,000 |
Machine access — free, no API key
Every figure shown here about BAYLAKE BANK — 2004 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.