Call reports 2001
BAYCOAST BANK — 2001
What BAYCOAST BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 423,881,000 | 425,964,000 | 427,900,000 | 444,503,000 |
| Total loans | 228,467,000 | 233,801,000 | 227,279,000 | 222,394,000 |
| Allowance for loan losses | 2,057,000 | 2,094,000 | 2,113,000 | 2,096,000 |
| Securities available for sale | 165,395,000 | 168,872,000 | 175,133,000 | 197,133,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,883,000 | 346,567,000 | 351,489,000 | 368,348,000 |
| Interest-bearing deposits | 331,358,000 | 329,499,000 | 334,252,000 | 349,512,000 |
| Noninterest-bearing deposits | 14,525,000 | 17,068,000 | 17,237,000 | 18,836,000 |
| Equity capital | 43,533,000 | 43,838,000 | 45,969,000 | 45,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 7,044,000 | 13,993,000 | 20,774,000 | 27,474,000 |
| Interest expense | 4,127,000 | 8,060,000 | 11,707,000 | 15,024,000 |
| Net interest income | 2,917,000 | 5,933,000 | 9,067,000 | 12,450,000 |
| Noninterest income | 610,000 | 1,324,000 | 2,056,000 | 2,826,000 |
| Noninterest expense | 2,961,000 | 5,952,000 | 8,882,000 | 11,907,000 |
| Provision for loan losses | 16,000 | 37,000 | 58,000 | 79,000 |
| Pretax income | 639,000 | 1,791,000 | 2,809,000 | 4,131,000 |
| Income tax | 236,000 | 676,000 | 865,000 | 1,312,000 |
| Net income | 403,000 | 1,115,000 | 1,944,000 | 2,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,330,000 | 40,971,000 | 41,666,000 | 42,398,000 |
| Total capital | 42,387,000 | 43,065,000 | 43,779,000 | 44,494,000 |
| Risk-weighted assets | 242,527,000 | 251,129,000 | 247,704,000 | 255,540,000 |