Call reports 2008
BAYTREE NATIONAL BANK & TRUST CO. — 2008
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 235,560,000 | 250,080,000 | 260,569,000 | 276,074,000 |
| Total loans | 205,714,000 | 212,322,000 | 221,301,000 | 238,375,000 |
| Allowance for loan losses | 1,684,000 | 1,836,000 | 1,890,000 | 3,009,000 |
| Securities available for sale | 1,025,000 | 837,000 | 757,000 | 684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,437,000 | 221,401,000 | 231,621,000 | 248,806,000 |
| Interest-bearing deposits | 196,487,000 | 204,580,000 | 217,913,000 | 233,995,000 |
| Noninterest-bearing deposits | 12,950,000 | 16,822,000 | 13,708,000 | 14,811,000 |
| Equity capital | 14,987,000 | 15,782,000 | 15,753,000 | 13,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,053,000 | 7,949,000 | 12,070,000 | 15,817,000 |
| Interest expense | 2,093,000 | 3,955,000 | 5,872,000 | 7,918,000 |
| Net interest income | 1,960,000 | 3,994,000 | 6,198,000 | 7,899,000 |
| Noninterest income | 1,105,000 | 1,852,000 | 2,763,000 | 3,827,000 |
| Noninterest expense | 3,066,000 | 5,868,000 | 8,629,000 | 11,930,000 |
| Provision for loan losses | 338,000 | 854,000 | 1,247,000 | 3,056,000 |
| Pretax income | -339,000 | -876,000 | -915,000 | -3,260,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -339,000 | -876,000 | -915,000 | -3,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,897,000 | 17,765,000 | 17,831,000 | 15,654,000 |
| Total capital | 23,079,000 | 24,099,000 | 24,197,000 | 23,161,000 |
| Risk-weighted assets | 217,052,000 | 230,880,000 | 239,756,000 | 249,905,000 |
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