Call reports 2014
BISCAYNE BANK — 2014
What BISCAYNE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 368,237,000 | 398,363,000 | 445,896,000 | 505,535,000 |
| Total loans | 325,685,000 | 344,419,000 | 385,370,000 | 439,953,000 |
| Allowance for loan losses | 3,400,000 | 3,502,000 | 3,902,000 | 4,537,000 |
| Securities available for sale | 3,888,000 | 3,923,000 | 3,910,000 | 3,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,828,000 | 346,297,000 | 375,284,000 | 403,899,000 |
| Interest-bearing deposits | 244,901,000 | 261,730,000 | 279,179,000 | 306,392,000 |
| Noninterest-bearing deposits | 79,927,000 | 84,567,000 | 96,105,000 | 97,507,000 |
| Equity capital | 32,725,000 | 34,169,000 | 35,519,000 | 38,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,206,000 | 8,739,000 | 13,425,000 | 18,821,000 |
| Interest expense | 586,000 | 1,236,000 | 1,952,000 | 2,747,000 |
| Net interest income | 3,620,000 | 7,503,000 | 11,473,000 | 16,074,000 |
| Noninterest income | 114,000 | 227,000 | 491,000 | 859,000 |
| Noninterest expense | 1,607,000 | 3,241,000 | 4,957,000 | 6,989,000 |
| Provision for loan losses | 300,000 | 400,000 | 800,000 | 1,435,000 |
| Pretax income | 1,827,000 | 4,089,000 | 6,207,000 | 8,509,000 |
| Income tax | 752,000 | 1,631,000 | 2,428,000 | 3,258,000 |
| Net income | 1,075,000 | 2,458,000 | 3,779,000 | 5,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,789,000 | 34,212,000 | 35,570,000 | 38,852,000 |
| Total capital | 36,004,000 | 37,585,000 | 39,383,000 | 43,113,000 |
| Risk-weighted assets | 257,002,000 | 269,732,000 | 304,931,000 | 340,614,000 |