Call reports 2015
BAYLAKE BANK — 2015
What BAYLAKE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 987,711,000 | 980,418,000 | 1,023,023,000 | 1,093,753,000 |
| Total loans | 673,759,000 | 687,312,000 | 691,816,000 | 746,185,000 |
| Allowance for loan losses | 7,003,000 | 6,956,000 | 6,510,000 | 5,928,000 |
| Securities available for sale | 167,375,000 | 159,845,000 | 156,216,000 | 168,972,000 |
| Securities held to maturity | 25,581,000 | 25,550,000 | 25,519,000 | 25,487,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 763,714,000 | 761,498,000 | 803,759,000 | 869,299,000 |
| Interest-bearing deposits | 617,846,000 | 595,472,000 | 616,593,000 | 670,991,000 |
| Noninterest-bearing deposits | 145,868,000 | 166,026,000 | 187,166,000 | 198,308,000 |
| Equity capital | 121,913,000 | 121,242,000 | 122,452,000 | 130,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,708,000 | 17,600,000 | 26,269,000 | 35,555,000 |
| Interest expense | 590,000 | 1,210,000 | 1,771,000 | 2,335,000 |
| Net interest income | 8,118,000 | 16,390,000 | 24,498,000 | 33,220,000 |
| Noninterest income | 2,098,000 | 4,473,000 | 6,527,000 | 8,729,000 |
| Noninterest expense | 6,801,000 | 13,657,000 | 20,148,000 | 29,201,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 3,389,000 | 7,258,000 | 11,061,000 | 13,013,000 |
| Income tax | 991,000 | 2,239,000 | 3,458,000 | 4,214,000 |
| Net income | 2,398,000 | 5,019,000 | 7,603,000 | 8,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,154,000 | 110,026,000 | 110,887,000 | 118,277,000 |
| Total capital | 116,157,000 | 116,982,000 | 117,397,000 | 124,205,000 |
| Risk-weighted assets | 747,534,000 | 762,446,000 | 764,659,000 | 820,405,000 |