Call reports 2005
BAYCOAST BANK — 2005
What BAYCOAST BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 526,300,000 | 539,800,000 | 543,374,000 | 552,690,000 |
| Total loans | 302,382,000 | 319,608,000 | 335,551,000 | 354,829,000 |
| Allowance for loan losses | 2,265,000 | 2,302,000 | 2,363,000 | 2,422,000 |
| Securities available for sale | 191,611,000 | 183,572,000 | 166,853,000 | 160,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,416,000 | 445,032,000 | 454,073,000 | 449,303,000 |
| Interest-bearing deposits | 415,201,000 | 418,442,000 | 426,056,000 | 422,609,000 |
| Noninterest-bearing deposits | 22,215,000 | 26,590,000 | 28,017,000 | 26,694,000 |
| Equity capital | 49,123,000 | 50,195,000 | 49,009,000 | 48,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,845,000 | 11,824,000 | 18,011,000 | 24,441,000 |
| Interest expense | 2,079,000 | 4,338,000 | 6,886,000 | 9,673,000 |
| Net interest income | 3,766,000 | 7,486,000 | 11,125,000 | 14,768,000 |
| Noninterest income | 935,000 | 2,034,000 | 3,141,000 | 4,889,000 |
| Noninterest expense | 4,693,000 | 9,437,000 | 14,105,000 | 18,963,000 |
| Provision for loan losses | 24,000 | 66,000 | 126,000 | 186,000 |
| Pretax income | 72,000 | 360,000 | 883,000 | 1,475,000 |
| Income tax | -70,000 | 36,000 | 204,000 | 436,000 |
| Net income | 142,000 | 324,000 | 679,000 | 1,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,478,000 | 47,670,000 | 48,027,000 | 48,337,000 |
| Total capital | 49,743,000 | 49,972,000 | 50,390,000 | 50,759,000 |
| Risk-weighted assets | 311,500,000 | 326,893,000 | 334,112,000 | 348,940,000 |