Call reports 2005
BAYTREE NATIONAL BANK & TRUST CO. — 2005
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 216,186,000 | 212,333,000 | 197,235,000 | 188,963,000 |
| Total loans | 160,824,000 | 172,634,000 | 155,876,000 | 144,835,000 |
| Allowance for loan losses | 1,340,000 | 1,361,000 | 1,068,000 | 1,166,000 |
| Securities available for sale | 35,513,000 | 12,341,000 | 12,150,000 | 19,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,029,000 | 191,337,000 | 176,703,000 | 168,032,000 |
| Interest-bearing deposits | 180,765,000 | 173,738,000 | 165,326,000 | 157,802,000 |
| Noninterest-bearing deposits | 15,264,000 | 17,599,000 | 11,376,000 | 10,230,000 |
| Equity capital | 15,333,000 | 15,694,000 | 15,472,000 | 14,823,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,674,000 | 7,590,000 | 10,638,000 | 13,956,000 |
| Interest expense | 1,346,000 | 2,779,000 | 4,249,000 | 5,730,000 |
| Net interest income | 2,328,000 | 4,811,000 | 6,389,000 | 8,226,000 |
| Noninterest income | 1,030,000 | 2,418,000 | 5,215,000 | 6,479,000 |
| Noninterest expense | 3,369,000 | 6,702,000 | 11,516,000 | 15,059,000 |
| Provision for loan losses | 220,000 | 426,000 | 200,000 | 399,000 |
| Pretax income | -231,000 | 101,000 | -112,000 | -753,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -231,000 | 101,000 | -112,000 | -753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,572,000 | 15,873,000 | 15,607,000 | 14,928,000 |
| Total capital | 19,362,000 | 19,684,000 | 19,125,000 | 18,544,000 |
| Risk-weighted assets | 173,583,000 | 186,483,000 | 149,029,000 | 148,546,000 |
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