Call reports 2015
BISCAYNE BANK — 2015
What BISCAYNE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 536,627,000 | 588,938,000 | 597,272,000 | 650,730,000 |
| Total loans | 447,192,000 | 497,661,000 | 501,242,000 | 544,227,000 |
| Allowance for loan losses | 4,687,000 | 5,074,000 | 5,176,000 | 5,533,000 |
| Securities available for sale | 3,982,000 | 3,966,000 | 3,990,000 | 3,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,813,000 | 474,379,000 | 489,181,000 | 517,951,000 |
| Interest-bearing deposits | 333,226,000 | 350,674,000 | 360,816,000 | 379,767,000 |
| Noninterest-bearing deposits | 109,587,000 | 123,705,000 | 128,365,000 | 138,184,000 |
| Equity capital | 42,632,000 | 45,007,000 | 50,101,000 | 53,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,879,000 | 12,022,000 | 18,336,000 | 24,930,000 |
| Interest expense | 857,000 | 1,764,000 | 2,749,000 | 3,782,000 |
| Net interest income | 5,022,000 | 10,258,000 | 15,587,000 | 21,148,000 |
| Noninterest income | 322,000 | 710,000 | 1,125,000 | 1,589,000 |
| Noninterest expense | 2,507,000 | 4,874,000 | 7,371,000 | 9,717,000 |
| Provision for loan losses | 150,000 | 500,000 | 600,000 | 950,000 |
| Pretax income | 2,687,000 | 5,594,000 | 8,741,000 | 12,070,000 |
| Income tax | 987,000 | 2,074,000 | 3,208,000 | 4,447,000 |
| Net income | 1,700,000 | 3,520,000 | 5,533,000 | 7,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,639,000 | 45,024,000 | 50,103,000 | 53,286,000 |
| Total capital | 46,964,000 | 49,486,000 | 54,702,000 | 58,275,000 |
| Risk-weighted assets | 345,612,000 | 356,310,000 | 367,295,000 | 398,582,000 |