Call reports 2004
BAYTREE NATIONAL BANK & TRUST CO. — 2004
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 147,776,000 | 149,303,000 | 162,534,000 | 211,593,000 |
| Total loans | 133,689,000 | 133,791,000 | 141,335,000 | 160,141,000 |
| Allowance for loan losses | 970,000 | 962,000 | 1,009,000 | 1,172,000 |
| Securities available for sale | 3,938,000 | 3,391,000 | 3,208,000 | 27,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,688,000 | 133,398,000 | 140,710,000 | 193,637,000 |
| Interest-bearing deposits | 122,131,000 | 121,184,000 | 129,316,000 | 181,104,000 |
| Noninterest-bearing deposits | 11,558,000 | 12,215,000 | 11,394,000 | 12,533,000 |
| Equity capital | 12,478,000 | 13,071,000 | 13,123,000 | 14,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,343,000 | 4,919,000 | 7,447,000 | 10,518,000 |
| Interest expense | 779,000 | 1,606,000 | 2,495,000 | 3,610,000 |
| Net interest income | 1,564,000 | 3,313,000 | 4,952,000 | 6,908,000 |
| Noninterest income | 915,000 | 2,143,000 | 3,558,000 | 5,105,000 |
| Noninterest expense | 2,392,000 | 5,370,000 | 8,851,000 | 12,891,000 |
| Provision for loan losses | 80,000 | 69,000 | 125,000 | 384,000 |
| Pretax income | 7,000 | 17,000 | -466,000 | -1,262,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 7,000 | 17,000 | -466,000 | -1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,094,000 | 13,659,000 | 13,610,000 | 14,623,000 |
| Total capital | 14,064,000 | 14,621,000 | 14,619,000 | 17,095,000 |
| Risk-weighted assets | 139,396,000 | 138,682,000 | 143,906,000 | 167,367,000 |
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