Call reports 2002
BAYTREE NATIONAL BANK & TRUST CO. — 2002
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 33,584,000 | 42,673,000 | 60,491,000 | 98,053,000 |
| Total loans | 17,634,000 | 30,035,000 | 47,898,000 | 87,823,000 |
| Allowance for loan losses | 175,000 | 280,000 | 431,000 | 764,000 |
| Securities available for sale | 8,005,000 | 7,638,000 | 6,541,000 | 5,645,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,129,000 | 37,255,000 | 55,539,000 | 88,168,000 |
| Interest-bearing deposits | 27,759,000 | 34,492,000 | 52,308,000 | 82,960,000 |
| Noninterest-bearing deposits | 1,370,000 | 2,763,000 | 3,231,000 | 5,208,000 |
| Equity capital | 4,363,000 | 5,245,000 | 4,794,000 | 8,643,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 362,000 | 867,000 | 1,623,000 | 2,754,000 |
| Interest expense | 260,000 | 587,000 | 1,018,000 | 1,625,000 |
| Net interest income | 102,000 | 280,000 | 605,000 | 1,129,000 |
| Noninterest income | 249,000 | 470,000 | 662,000 | 1,012,000 |
| Noninterest expense | 859,000 | 1,829,000 | 2,957,000 | 4,363,000 |
| Provision for loan losses | 42,000 | 147,000 | 298,000 | 631,000 |
| Pretax income | -550,000 | -1,226,000 | -1,988,000 | -2,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -550,000 | -1,226,000 | -1,988,000 | -2,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,388,000 | 5,132,000 | 4,649,000 | 8,536,000 |
| Total capital | 4,563,000 | 5,412,000 | 5,080,000 | 9,300,000 |
| Risk-weighted assets | 22,025,000 | 34,508,000 | 53,042,000 | 92,156,000 |