Call reports 2004
BAYCOAST BANK — 2004
What BAYCOAST BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 503,408,000 | 512,652,000 | 532,990,000 | 525,183,000 |
| Total loans | 241,792,000 | 245,841,000 | 281,709,000 | 295,250,000 |
| Allowance for loan losses | 2,257,000 | 2,249,000 | 2,256,000 | 2,263,000 |
| Securities available for sale | 234,958,000 | 231,687,000 | 222,311,000 | 200,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 404,639,000 | 416,721,000 | 422,853,000 | 428,156,000 |
| Interest-bearing deposits | 384,090,000 | 393,169,000 | 399,981,000 | 406,154,000 |
| Noninterest-bearing deposits | 20,549,000 | 23,552,000 | 22,872,000 | 22,002,000 |
| Equity capital | 52,589,000 | 49,213,000 | 51,307,000 | 51,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,561,000 | 10,993,000 | 16,638,000 | 22,527,000 |
| Interest expense | 1,781,000 | 3,588,000 | 5,499,000 | 7,514,000 |
| Net interest income | 3,780,000 | 7,405,000 | 11,139,000 | 15,013,000 |
| Noninterest income | 728,000 | 1,504,000 | 2,220,000 | 2,996,000 |
| Noninterest expense | 3,517,000 | 7,217,000 | 10,829,000 | 14,997,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 1,018,000 | 1,939,000 | 2,814,000 | 3,296,000 |
| Income tax | 355,000 | 627,000 | 892,000 | 926,000 |
| Net income | 663,000 | 1,312,000 | 1,922,000 | 2,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,301,000 | 47,828,000 | 48,319,000 | 47,405,000 |
| Total capital | 49,558,000 | 50,077,000 | 50,575,000 | 49,668,000 |
| Risk-weighted assets | 281,223,000 | 286,410,000 | 300,484,000 | 305,367,000 |