Call reports 2008
BISCAYNE BANK — 2008
What BISCAYNE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 133,613,000 | 157,782,000 | 171,357,000 | 199,783,000 |
| Total loans | 103,046,000 | 118,385,000 | 127,593,000 | 138,032,000 |
| Allowance for loan losses | 877,000 | 1,105,000 | 1,190,000 | 1,295,000 |
| Securities available for sale | 0 | 0 | 0 | 101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,838,000 | 111,021,000 | 120,909,000 | 126,870,000 |
| Interest-bearing deposits | 87,572,000 | 98,166,000 | 108,099,000 | 115,790,000 |
| Noninterest-bearing deposits | 11,266,000 | 12,855,000 | 12,810,000 | 11,080,000 |
| Equity capital | 13,886,000 | 14,093,000 | 14,201,000 | 14,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,997,000 | 4,081,000 | 6,267,000 | 8,464,000 |
| Interest expense | 868,000 | 1,776,000 | 2,775,000 | 3,800,000 |
| Net interest income | 1,129,000 | 2,305,000 | 3,492,000 | 4,664,000 |
| Noninterest income | 120,000 | 243,000 | 371,000 | 512,000 |
| Noninterest expense | 890,000 | 1,716,000 | 2,487,000 | 3,339,000 |
| Provision for loan losses | 169,000 | 458,000 | 914,000 | 1,228,000 |
| Pretax income | 190,000 | 374,000 | 462,000 | 609,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 374,000 | 462,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,885,000 | 14,092,000 | 14,200,000 | 14,366,000 |
| Total capital | 14,762,000 | 15,197,000 | 15,390,000 | 15,661,000 |
| Risk-weighted assets | 95,649,000 | 108,891,000 | 117,734,000 | 128,689,000 |
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