Call reports 2013
BISCAYNE BANK — 2013
What BISCAYNE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 275,992,000 | 316,299,000 | 344,582,000 | 337,614,000 |
| Total loans | 246,223,000 | 262,706,000 | 267,927,000 | 299,494,000 |
| Allowance for loan losses | 2,948,000 | 2,856,000 | 3,017,000 | 3,100,000 |
| Securities available for sale | 3,991,000 | 3,896,000 | 3,925,000 | 3,862,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,153,000 | 282,718,000 | 305,374,000 | 297,502,000 |
| Interest-bearing deposits | 194,167,000 | 212,274,000 | 223,381,000 | 224,222,000 |
| Noninterest-bearing deposits | 48,986,000 | 70,444,000 | 81,993,000 | 73,280,000 |
| Equity capital | 23,948,000 | 24,983,000 | 30,412,000 | 31,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,208,000 | 6,710,000 | 10,284,000 | 14,061,000 |
| Interest expense | 514,000 | 1,074,000 | 1,656,000 | 2,230,000 |
| Net interest income | 2,694,000 | 5,636,000 | 8,628,000 | 11,831,000 |
| Noninterest income | 165,000 | 471,000 | 608,000 | 797,000 |
| Noninterest expense | 1,434,000 | 3,019,000 | 4,574,000 | 6,061,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 113,000 |
| Pretax income | 1,425,000 | 3,088,000 | 4,632,000 | 6,454,000 |
| Income tax | 511,000 | 1,129,000 | 1,770,000 | 2,444,000 |
| Net income | 914,000 | 1,959,000 | 2,862,000 | 4,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,948,000 | 25,078,000 | 30,478,000 | 31,670,000 |
| Total capital | 26,539,000 | 27,796,000 | 33,189,000 | 34,722,000 |
| Risk-weighted assets | 206,893,000 | 217,304,000 | 216,581,000 | 244,120,000 |