Call reports 2016
BISCAYNE BANK — 2016
What BISCAYNE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 677,425,000 | 737,519,000 | 747,189,000 | 770,227,000 |
| Total loans | 578,114,000 | 606,631,000 | 627,908,000 | 644,285,000 |
| Allowance for loan losses | 5,913,000 | 6,084,000 | 6,356,000 | 6,622,000 |
| Securities available for sale | 3,999,000 | 4,018,000 | 4,016,000 | 3,987,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 547,192,000 | 611,317,000 | 623,370,000 | 633,467,000 |
| Interest-bearing deposits | 406,627,000 | 440,624,000 | 437,377,000 | 463,896,000 |
| Noninterest-bearing deposits | 140,565,000 | 170,693,000 | 185,993,000 | 169,571,000 |
| Equity capital | 55,361,000 | 57,853,000 | 60,019,000 | 63,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,012,000 | 14,417,000 | 22,177,000 | 30,050,000 |
| Interest expense | 1,133,000 | 2,309,000 | 3,537,000 | 4,843,000 |
| Net interest income | 5,879,000 | 12,108,000 | 18,640,000 | 25,207,000 |
| Noninterest income | 433,000 | 1,077,000 | 1,559,000 | 2,053,000 |
| Noninterest expense | 2,805,000 | 5,612,000 | 8,921,000 | 11,900,000 |
| Provision for loan losses | 375,000 | 600,000 | 926,000 | 1,101,000 |
| Pretax income | 3,132,000 | 6,973,000 | 10,352,000 | 14,259,000 |
| Income tax | 1,134,000 | 2,527,000 | 3,791,000 | 5,232,000 |
| Net income | 1,998,000 | 4,446,000 | 6,561,000 | 9,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,358,000 | 57,839,000 | 60,006,000 | 63,526,000 |
| Total capital | 60,753,000 | 63,507,000 | 65,966,000 | 69,713,000 |
| Risk-weighted assets | 431,047,000 | 453,044,000 | 476,347,000 | 494,546,000 |