Call reports 2007
BAYCOAST BANK — 2007
What BAYCOAST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 593,982,000 | 598,234,000 | 613,993,000 | 608,363,000 |
| Total loans | 413,830,000 | 423,963,000 | 429,518,000 | 432,488,000 |
| Allowance for loan losses | 2,674,000 | 2,740,000 | 2,791,000 | 2,835,000 |
| Securities available for sale | 127,149,000 | 123,121,000 | 120,349,000 | 130,315,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 454,980,000 | 448,223,000 | 464,383,000 | 459,304,000 |
| Interest-bearing deposits | 442,794,000 | 436,834,000 | 453,731,000 | 449,143,000 |
| Noninterest-bearing deposits | 12,186,000 | 11,389,000 | 10,652,000 | 10,161,000 |
| Equity capital | 52,784,000 | 52,463,000 | 53,191,000 | 53,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,375,000 | 14,936,000 | 22,716,000 | 30,726,000 |
| Interest expense | 4,360,000 | 8,878,000 | 13,541,000 | 18,221,000 |
| Net interest income | 3,015,000 | 6,058,000 | 9,175,000 | 12,505,000 |
| Noninterest income | 1,561,000 | 3,130,000 | 4,612,000 | 6,262,000 |
| Noninterest expense | 4,906,000 | 9,840,000 | 14,238,000 | 19,021,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 18,000 | -200,000 | 23,000 | -2,000 |
| Income tax | -65,000 | -224,000 | -203,000 | -164,000 |
| Net income | 83,000 | 24,000 | 226,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,502,000 | 51,460,000 | 51,720,000 | 51,709,000 |
| Total capital | 54,176,000 | 54,200,000 | 54,511,000 | 54,544,000 |
| Risk-weighted assets | 389,332,000 | 396,221,000 | 403,128,000 | 418,900,000 |