Call reports 2010
BISCAYNE BANK — 2010
What BISCAYNE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 239,310,000 | 239,169,000 | 235,037,000 | 219,798,000 |
| Total loans | 177,477,000 | 178,484,000 | 177,392,000 | 174,865,000 |
| Allowance for loan losses | 2,702,000 | 2,372,000 | 2,500,000 | 3,239,000 |
| Securities available for sale | 26,922,000 | 27,131,000 | 18,081,000 | 17,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,496,000 | 178,959,000 | 179,615,000 | 169,694,000 |
| Interest-bearing deposits | 159,195,000 | 158,604,000 | 157,801,000 | 142,489,000 |
| Noninterest-bearing deposits | 17,301,000 | 20,355,000 | 21,814,000 | 27,204,000 |
| Equity capital | 16,237,000 | 16,635,000 | 16,884,000 | 15,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,625,000 | 5,540,000 | 8,251,000 | 10,988,000 |
| Interest expense | 908,000 | 1,747,000 | 2,518,000 | 3,239,000 |
| Net interest income | 1,717,000 | 3,793,000 | 5,733,000 | 7,749,000 |
| Noninterest income | 142,000 | 301,000 | 509,000 | 143,000 |
| Noninterest expense | 1,107,000 | 2,220,000 | 3,432,000 | 4,729,000 |
| Provision for loan losses | 770,000 | 1,735,000 | 2,408,000 | 4,211,000 |
| Pretax income | -18,000 | 139,000 | 402,000 | -1,048,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -18,000 | 139,000 | 402,000 | -1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,313,000 | 16,503,000 | 16,798,000 | 16,347,000 |
| Total capital | 18,251,000 | 18,380,000 | 18,789,000 | 18,249,000 |
| Risk-weighted assets | 154,264,000 | 153,638,000 | 158,752,000 | 150,976,000 |