Call reports 2011
BAYCOAST BANK — 2011
What BAYCOAST BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 893,399,000 | 893,828,000 | 907,471,000 | 909,704,000 |
| Total loans | 627,663,000 | 639,349,000 | 650,785,000 | 645,935,000 |
| Allowance for loan losses | 4,878,000 | 4,776,000 | 4,431,000 | 5,706,000 |
| Securities available for sale | 194,432,000 | 182,224,000 | 179,644,000 | 188,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 724,193,000 | 724,613,000 | 738,395,000 | 730,623,000 |
| Interest-bearing deposits | 660,106,000 | 659,426,000 | 665,821,000 | 654,096,000 |
| Noninterest-bearing deposits | 64,087,000 | 65,187,000 | 72,574,000 | 76,527,000 |
| Equity capital | 79,365,000 | 80,686,000 | 79,846,000 | 80,137,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 9,500,000 | 19,263,000 | 28,934,000 | 37,838,000 |
| Interest expense | 2,182,000 | 3,980,000 | 5,867,000 | 7,688,000 |
| Net interest income | 7,318,000 | 15,283,000 | 23,067,000 | 30,150,000 |
| Noninterest income | 2,061,000 | 4,499,000 | 7,924,000 | 10,729,000 |
| Noninterest expense | 8,723,000 | 17,417,000 | 26,794,000 | 34,685,000 |
| Provision for loan losses | 275,000 | 500,000 | 725,000 | 1,468,000 |
| Pretax income | 905,000 | 2,861,000 | 4,448,000 | 5,711,000 |
| Income tax | 277,000 | 840,000 | 1,337,000 | 1,564,000 |
| Net income | 628,000 | 2,021,000 | 3,111,000 | 4,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,720,000 | 72,840,000 | 73,859,000 | 75,632,000 |
| Total capital | 76,598,000 | 77,617,000 | 78,290,000 | 81,338,000 |
| Risk-weighted assets | 626,787,000 | 647,202,000 | 679,840,000 | 695,295,000 |