Call reports 2009
BAYTREE NATIONAL BANK & TRUST CO. — 2009
What BAYTREE NATIONAL BANK & TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 263,097,000 | 240,982,000 | 210,646,000 | 201,369,000 |
| Total loans | 230,156,000 | 208,427,000 | 178,636,000 | 172,641,000 |
| Allowance for loan losses | 3,942,000 | 5,681,000 | 5,529,000 | 7,422,000 |
| Securities available for sale | 799,000 | 784,000 | 790,000 | 795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,248,000 | 223,157,000 | 198,038,000 | 191,665,000 |
| Interest-bearing deposits | 221,543,000 | 212,339,000 | 189,055,000 | 181,746,000 |
| Noninterest-bearing deposits | 10,705,000 | 10,818,000 | 8,983,000 | 9,919,000 |
| Equity capital | 10,956,000 | 7,047,000 | 2,082,000 | -894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,787,000 | 7,878,000 | 11,349,000 | 14,529,000 |
| Interest expense | 1,992,000 | 3,937,000 | 5,730,000 | 7,280,000 |
| Net interest income | 1,795,000 | 3,941,000 | 5,619,000 | 7,249,000 |
| Noninterest income | 1,018,000 | 1,618,000 | 2,633,000 | 4,016,000 |
| Noninterest expense | 3,305,000 | 7,430,000 | 11,796,000 | 15,135,000 |
| Provision for loan losses | 1,825,000 | 4,579,000 | 7,568,000 | 9,963,000 |
| Pretax income | -2,309,000 | -6,442,000 | -11,104,000 | -13,825,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,454,000 | -6,350,000 | -11,326,000 | -14,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,351,000 | 9,230,000 | 4,598,000 | 1,877,000 |
| Total capital | 20,945,000 | 16,485,000 | 9,196,000 | 3,754,000 |
| Risk-weighted assets | 246,973,000 | 217,686,000 | 182,147,000 | 171,136,000 |
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