Call reports 2003
BAYCOAST BANK — 2003
What BAYCOAST BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 498,325,000 | 521,389,000 | 515,401,000 | 508,691,000 |
| Total loans | 228,508,000 | 231,064,000 | 234,413,000 | 237,423,000 |
| Allowance for loan losses | 2,170,000 | 2,192,000 | 2,230,000 | 2,250,000 |
| Securities available for sale | 245,192,000 | 257,507,000 | 251,579,000 | 247,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 410,623,000 | 411,788,000 | 419,056,000 | 410,587,000 |
| Interest-bearing deposits | 388,591,000 | 391,573,000 | 397,043,000 | 390,746,000 |
| Noninterest-bearing deposits | 22,032,000 | 20,215,000 | 22,013,000 | 19,841,000 |
| Equity capital | 50,482,000 | 52,095,000 | 51,073,000 | 50,653,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,945,000 | 11,965,000 | 17,718,000 | 23,442,000 |
| Interest expense | 2,476,000 | 4,809,000 | 7,002,000 | 9,016,000 |
| Net interest income | 3,469,000 | 7,156,000 | 10,716,000 | 14,426,000 |
| Noninterest income | 838,000 | 1,786,000 | 2,512,000 | 3,811,000 |
| Noninterest expense | 3,374,000 | 6,789,000 | 10,282,000 | 14,326,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 899,000 | 2,199,000 | 3,344,000 | 4,155,000 |
| Income tax | 886,000 | 1,079,000 | 1,500,000 | 1,819,000 |
| Net income | 13,000 | 1,120,000 | 1,844,000 | 2,336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,853,000 | 45,967,000 | 46,477,000 | 46,778,000 |
| Total capital | 47,023,000 | 48,159,000 | 48,707,000 | 49,028,000 |
| Risk-weighted assets | 275,135,000 | 278,039,000 | 277,564,000 | 279,727,000 |