Call reports 2003
BAYTREE NATIONAL BANK & TRUST CO. — 2003
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 106,658,000 | 105,775,000 | 106,698,000 | 142,222,000 |
| Total loans | 88,996,000 | 89,735,000 | 94,400,000 | 127,711,000 |
| Allowance for loan losses | 787,000 | 805,000 | 842,000 | 900,000 |
| Securities available for sale | 11,575,000 | 9,447,000 | 3,476,000 | 4,381,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,762,000 | 96,467,000 | 96,576,000 | 128,664,000 |
| Interest-bearing deposits | 93,750,000 | 92,479,000 | 91,057,000 | 119,867,000 |
| Noninterest-bearing deposits | 4,012,000 | 3,988,000 | 5,519,000 | 8,797,000 |
| Equity capital | 8,675,000 | 9,023,000 | 8,795,000 | 11,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,538,000 | 3,087,000 | 4,664,000 | 6,369,000 |
| Interest expense | 723,000 | 1,427,000 | 2,035,000 | 2,699,000 |
| Net interest income | 815,000 | 1,660,000 | 2,629,000 | 3,670,000 |
| Noninterest income | 354,000 | 803,000 | 1,295,000 | 2,316,000 |
| Noninterest expense | 1,417,000 | 2,919,000 | 4,534,000 | 6,788,000 |
| Provision for loan losses | 23,000 | 41,000 | 78,000 | 224,000 |
| Pretax income | -271,000 | -497,000 | -688,000 | -1,026,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -271,000 | -497,000 | -688,000 | -1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,615,000 | 8,964,000 | 9,765,000 | 12,683,000 |
| Total capital | 9,402,000 | 9,769,000 | 10,607,000 | 13,583,000 |
| Risk-weighted assets | 93,835,000 | 95,681,000 | 100,911,000 | 135,008,000 |
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