Call reports 2009
BISCAYNE BANK — 2009
What BISCAYNE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,541,000 | 241,239,000 | 250,607,000 | 266,347,000 |
| Total loans | 150,619,000 | 154,012,000 | 167,769,000 | 173,269,000 |
| Allowance for loan losses | 1,620,000 | 1,785,000 | 2,003,000 | 2,288,000 |
| Securities available for sale | 3,204,000 | 3,087,000 | 3,052,000 | 3,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,205,000 | 153,458,000 | 161,016,000 | 175,206,000 |
| Interest-bearing deposits | 128,706,000 | 132,390,000 | 140,809,000 | 157,161,000 |
| Noninterest-bearing deposits | 13,499,000 | 21,068,000 | 20,207,000 | 18,045,000 |
| Equity capital | 14,701,000 | 16,959,000 | 16,683,000 | 14,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,308,000 | 4,566,000 | 6,872,000 | 9,356,000 |
| Interest expense | 1,042,000 | 2,036,000 | 2,987,000 | 3,877,000 |
| Net interest income | 1,266,000 | 2,530,000 | 3,885,000 | 5,479,000 |
| Noninterest income | 139,000 | 294,000 | 435,000 | 601,000 |
| Noninterest expense | 778,000 | 1,525,000 | 2,208,000 | 3,359,000 |
| Provision for loan losses | 325,000 | 775,000 | 1,875,000 | 5,463,000 |
| Pretax income | 302,000 | 524,000 | 237,000 | -2,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 302,000 | 524,000 | 237,000 | -2,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,693,000 | 16,941,000 | 16,672,000 | 14,730,000 |
| Total capital | 16,313,000 | 18,651,000 | 18,517,000 | 16,525,000 |
| Risk-weighted assets | 136,032,000 | 140,166,000 | 147,435,000 | 143,129,000 |