Call reports 2007
BAYLAKE BANK — 2007
What BAYLAKE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,115,596,000 | 1,103,017,000 | 1,090,712,000 | 1,108,015,000 |
| Total loans | 827,494,000 | 815,147,000 | 782,625,000 | 760,951,000 |
| Allowance for loan losses | 13,834,000 | 11,548,000 | 10,507,000 | 11,840,000 |
| Securities available for sale | 186,455,000 | 184,542,000 | 199,999,000 | 221,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 888,960,000 | 900,117,000 | 864,041,000 | 886,227,000 |
| Interest-bearing deposits | 792,378,000 | 801,291,000 | 760,210,000 | 791,097,000 |
| Noninterest-bearing deposits | 96,582,000 | 98,826,000 | 103,831,000 | 95,130,000 |
| Equity capital | 94,189,000 | 93,542,000 | 96,572,000 | 94,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,725,000 | 35,161,000 | 52,780,000 | 70,053,000 |
| Interest expense | 9,545,000 | 19,193,000 | 28,721,000 | 37,733,000 |
| Net interest income | 8,180,000 | 15,968,000 | 24,059,000 | 32,320,000 |
| Noninterest income | 2,134,000 | 4,548,000 | 6,462,000 | 8,130,000 |
| Noninterest expense | 8,436,000 | 16,826,000 | 24,398,000 | 32,218,000 |
| Provision for loan losses | 5,985,000 | 5,985,000 | 6,485,000 | 9,761,000 |
| Pretax income | -4,107,000 | -2,295,000 | -362,000 | -1,177,000 |
| Income tax | -1,978,000 | -1,697,000 | -1,361,000 | -2,051,000 |
| Net income | -2,129,000 | -598,000 | 999,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,788,000 | 89,829,000 | 90,597,000 | 88,306,000 |
| Total capital | 100,538,000 | 101,377,000 | 101,104,000 | 99,483,000 |
| Risk-weighted assets | 940,026,000 | 925,331,000 | 910,409,000 | 893,463,000 |
Machine access — free, no API key
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