Call reports 2011
BAYLAKE BANK — 2011
What BAYLAKE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,019,865,000 | 1,017,351,000 | 1,052,832,000 | 1,087,747,000 |
| Total loans | 620,728,000 | 621,147,000 | 638,937,000 | 632,885,000 |
| Allowance for loan losses | 12,098,000 | 12,660,000 | 12,857,000 | 10,638,000 |
| Securities available for sale | 262,210,000 | 252,452,000 | 238,029,000 | 282,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 827,310,000 | 828,326,000 | 861,320,000 | 868,007,000 |
| Interest-bearing deposits | 796,506,000 | 796,880,000 | 824,022,000 | 835,069,000 |
| Noninterest-bearing deposits | 30,804,000 | 31,446,000 | 37,298,000 | 32,938,000 |
| Equity capital | 102,088,000 | 104,722,000 | 107,086,000 | 108,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,722,000 | 21,367,000 | 31,871,000 | 42,466,000 |
| Interest expense | 2,298,000 | 4,452,000 | 6,486,000 | 8,344,000 |
| Net interest income | 8,424,000 | 16,915,000 | 25,385,000 | 34,122,000 |
| Noninterest income | 2,478,000 | 4,791,000 | 6,772,000 | 9,490,000 |
| Noninterest expense | 8,754,000 | 16,547,000 | 23,899,000 | 31,862,000 |
| Provision for loan losses | 1,300,000 | 3,250,000 | 4,450,000 | 5,050,000 |
| Pretax income | 973,000 | 2,034,000 | 4,200,000 | 7,351,000 |
| Income tax | 114,000 | 157,000 | 806,000 | 1,982,000 |
| Net income | 859,000 | 1,877,000 | 3,394,000 | 5,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,390,000 | 86,472,000 | 88,416,000 | 90,884,000 |
| Total capital | 94,616,000 | 95,567,000 | 97,746,000 | 100,269,000 |
| Risk-weighted assets | 735,188,000 | 724,009,000 | 742,839,000 | 749,518,000 |