Call reports 2005
BISCAYNE BANK — 2005
What BISCAYNE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Total assets | 27,267,000 | 32,632,000 |
| Total loans | 13,360,000 | 25,768,000 |
| Allowance for loan losses | 47,000 | 194,000 |
| Securities available for sale | 1,966,000 | 1,983,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 17,473,000 | 22,081,000 |
| Interest-bearing deposits | 15,501,000 | 20,194,000 |
| Noninterest-bearing deposits | 1,972,000 | 1,887,000 |
| Equity capital | 9,731,000 | 9,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Interest income | 246,000 | 721,000 |
| Interest expense | 55,000 | 218,000 |
| Net interest income | 191,000 | 503,000 |
| Noninterest income | 2,000 | 7,000 |
| Noninterest expense | 440,000 | 906,000 |
| Provision for loan losses | 47,000 | 194,000 |
| Pretax income | -294,000 | -590,000 |
| Income tax | 0 | 0 |
| Net income | -294,000 | -590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q3 | 2005Q4 |
|---|---|---|
| Tier 1 capital | 9,748,000 | 9,451,000 |
| Total capital | 9,795,000 | 9,645,000 |
| Risk-weighted assets | 13,957,000 | 22,035,000 |
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