Call reports 2009
BAYCOAST BANK — 2009
What BAYCOAST BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 659,552,000 | 675,298,000 | 688,009,000 | 693,350,000 |
| Total loans | 501,997,000 | 492,554,000 | 500,362,000 | 505,392,000 |
| Allowance for loan losses | 3,556,000 | 3,806,000 | 3,443,000 | 3,831,000 |
| Securities available for sale | 107,841,000 | 114,925,000 | 133,396,000 | 135,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 500,040,000 | 520,055,000 | 535,247,000 | 535,647,000 |
| Interest-bearing deposits | 468,459,000 | 483,549,000 | 500,270,000 | 506,299,000 |
| Noninterest-bearing deposits | 31,581,000 | 36,506,000 | 34,977,000 | 29,348,000 |
| Equity capital | 50,937,000 | 53,284,000 | 55,233,000 | 56,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 8,127,000 | 16,297,000 | 24,487,000 | 32,804,000 |
| Interest expense | 3,329,000 | 6,627,000 | 9,844,000 | 12,643,000 |
| Net interest income | 4,798,000 | 9,670,000 | 14,643,000 | 20,161,000 |
| Noninterest income | 2,050,000 | 4,086,000 | 5,808,000 | 7,534,000 |
| Noninterest expense | 5,762,000 | 11,502,000 | 17,254,000 | 23,455,000 |
| Provision for loan losses | 150,000 | 400,000 | 700,000 | 1,110,000 |
| Pretax income | 858,000 | 1,497,000 | 1,904,000 | 2,703,000 |
| Income tax | 258,000 | 438,000 | 524,000 | 766,000 |
| Net income | 600,000 | 1,059,000 | 1,380,000 | 1,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,033,000 | 51,690,000 | 53,068,000 | 53,721,000 |
| Total capital | 53,589,000 | 55,496,000 | 56,511,000 | 57,552,000 |
| Risk-weighted assets | 503,448,000 | 496,753,000 | 469,211,000 | 483,557,000 |
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