Call reports 2012
BISCAYNE BANK — 2012
What BISCAYNE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 231,174,000 | 250,109,000 | 254,223,000 | 260,547,000 |
| Total loans | 198,606,000 | 208,788,000 | 216,640,000 | 229,893,000 |
| Allowance for loan losses | 3,070,000 | 3,028,000 | 2,729,000 | 2,758,000 |
| Securities available for sale | 2,976,000 | 3,000,000 | 3,995,000 | 3,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,359,000 | 204,207,000 | 225,543,000 | 230,053,000 |
| Interest-bearing deposits | 149,593,000 | 165,362,000 | 181,175,000 | 189,798,000 |
| Noninterest-bearing deposits | 35,766,000 | 38,845,000 | 44,368,000 | 40,255,000 |
| Equity capital | 19,310,000 | 20,258,000 | 20,808,000 | 22,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,911,000 | 5,805,000 | 8,759,000 | 11,995,000 |
| Interest expense | 510,000 | 1,041,000 | 1,631,000 | 2,174,000 |
| Net interest income | 2,401,000 | 4,764,000 | 7,128,000 | 9,821,000 |
| Noninterest income | 40,000 | 199,000 | 379,000 | 207,000 |
| Noninterest expense | 1,208,000 | 2,277,000 | 3,553,000 | 4,904,000 |
| Provision for loan losses | 40,000 | 40,000 | 490,000 | 740,000 |
| Pretax income | 1,193,000 | 2,646,000 | 3,464,000 | 4,384,000 |
| Income tax | 433,000 | 963,000 | 1,341,000 | 246,000 |
| Net income | 760,000 | 1,683,000 | 2,123,000 | 4,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,332,000 | 20,256,000 | 20,803,000 | 22,961,000 |
| Total capital | 21,418,000 | 22,435,000 | 23,085,000 | 25,388,000 |
| Risk-weighted assets | 165,882,000 | 173,494,000 | 182,067,000 | 193,849,000 |