Call reports 2007
BISCAYNE BANK — 2007
What BISCAYNE 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 | 93,072,000 | 107,519,000 | 114,526,000 | 122,725,000 |
| Total loans | 75,252,000 | 82,333,000 | 90,941,000 | 94,925,000 |
| Allowance for loan losses | 574,000 | 618,000 | 736,000 | 718,000 |
| Securities available for sale | 997,000 | 997,000 | 1,000,000 | 1,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,399,000 | 81,083,000 | 84,632,000 | 91,198,000 |
| Interest-bearing deposits | 65,573,000 | 71,865,000 | 75,718,000 | 83,485,000 |
| Noninterest-bearing deposits | 8,826,000 | 9,218,000 | 8,914,000 | 7,713,000 |
| Equity capital | 8,939,000 | 11,649,000 | 11,702,000 | 13,687,000 |
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 | 1,555,000 | 3,304,000 | 5,247,000 | 7,292,000 |
| Interest expense | 760,000 | 1,547,000 | 2,453,000 | 3,397,000 |
| Net interest income | 795,000 | 1,757,000 | 2,794,000 | 3,895,000 |
| Noninterest income | 39,000 | 108,000 | 191,000 | 296,000 |
| Noninterest expense | 876,000 | 1,823,000 | 2,773,000 | 3,808,000 |
| Provision for loan losses | 58,000 | 102,000 | 220,000 | 281,000 |
| Pretax income | -100,000 | -60,000 | -8,000 | 102,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -100,000 | -60,000 | -8,000 | 102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,938,000 | 11,649,000 | 11,700,000 | 13,686,000 |
| Total capital | 9,512,000 | 12,267,000 | 12,436,000 | 14,404,000 |
| Risk-weighted assets | 72,438,000 | 73,704,000 | 84,287,000 | 88,385,000 |
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