Call reports 2002
BAYCOAST BANK — 2002
What BAYCOAST BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 453,556,000 | 455,889,000 | 460,144,000 | 486,556,000 |
| Total loans | 214,361,000 | 215,601,000 | 215,406,000 | 215,362,000 |
| Allowance for loan losses | 2,096,000 | 2,139,000 | 2,146,000 | 2,170,000 |
| Securities available for sale | 213,938,000 | 215,708,000 | 219,057,000 | 240,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,274,000 | 378,153,000 | 380,681,000 | 391,391,000 |
| Interest-bearing deposits | 359,617,000 | 358,244,000 | 359,586,000 | 373,492,000 |
| Noninterest-bearing deposits | 18,657,000 | 19,909,000 | 21,095,000 | 17,899,000 |
| Equity capital | 45,994,000 | 48,272,000 | 49,640,000 | 50,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,351,000 | 12,805,000 | 19,153,000 | 25,508,000 |
| Interest expense | 2,851,000 | 5,509,000 | 8,131,000 | 10,761,000 |
| Net interest income | 3,500,000 | 7,296,000 | 11,022,000 | 14,747,000 |
| Noninterest income | 750,000 | 1,599,000 | 2,406,000 | 3,286,000 |
| Noninterest expense | 3,166,000 | 6,261,000 | 9,491,000 | 12,721,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 1,073,000 | 2,758,000 | 3,406,000 | 4,687,000 |
| Income tax | 353,000 | 923,000 | 1,068,000 | 1,471,000 |
| Net income | 720,000 | 1,835,000 | 2,338,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,952,000 | 43,932,000 | 44,221,000 | 45,007,000 |
| Total capital | 45,048,000 | 46,071,000 | 46,367,000 | 47,177,000 |
| Risk-weighted assets | 254,666,000 | 257,353,000 | 259,537,000 | 268,956,000 |