Call reports 2011
BISCAYNE BANK — 2011
What BISCAYNE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 221,267,000 | 232,625,000 | 233,884,000 | 217,844,000 |
| Total loans | 172,259,000 | 184,324,000 | 188,194,000 | 189,152,000 |
| Allowance for loan losses | 2,300,000 | 3,023,000 | 3,006,000 | 2,701,000 |
| Securities available for sale | 14,310,000 | 17,868,000 | 9,001,000 | 3,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,992,000 | 181,758,000 | 182,439,000 | 175,398,000 |
| Interest-bearing deposits | 145,486,000 | 153,707,000 | 146,995,000 | 146,502,000 |
| Noninterest-bearing deposits | 25,506,000 | 28,052,000 | 35,445,000 | 28,896,000 |
| Equity capital | 15,787,000 | 16,353,000 | 16,968,000 | 18,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,701,000 | 5,394,000 | 8,201,000 | 10,849,000 |
| Interest expense | 628,000 | 1,238,000 | 1,832,000 | 2,422,000 |
| Net interest income | 2,073,000 | 4,156,000 | 6,369,000 | 8,427,000 |
| Noninterest income | -417,000 | -576,000 | -608,000 | -644,000 |
| Noninterest expense | 1,200,000 | 2,294,000 | 3,444,000 | 4,533,000 |
| Provision for loan losses | 325,000 | 1,125,000 | 1,425,000 | 1,890,000 |
| Pretax income | 108,000 | 138,000 | 830,000 | 1,298,000 |
| Income tax | 0 | 51,000 | 295,000 | 364,000 |
| Net income | 108,000 | 87,000 | 535,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,474,000 | 16,484,000 | 16,966,000 | 18,096,000 |
| Total capital | 18,369,000 | 18,479,000 | 18,981,000 | 20,094,000 |
| Risk-weighted assets | 151,152,000 | 158,585,000 | 160,181,000 | 159,146,000 |