Call reports 2012
BAYCOAST BANK — 2012
What BAYCOAST BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 917,454,000 | 930,140,000 | 932,245,000 | 943,686,000 |
| Total loans | 651,388,000 | 648,544,000 | 648,794,000 | 648,596,000 |
| Allowance for loan losses | 5,607,000 | 5,392,000 | 5,289,000 | 5,306,000 |
| Securities available for sale | 186,432,000 | 206,295,000 | 203,042,000 | 199,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 742,917,000 | 753,339,000 | 753,857,000 | 764,544,000 |
| Interest-bearing deposits | 658,562,000 | 659,964,000 | 702,172,000 | 711,636,000 |
| Noninterest-bearing deposits | 84,355,000 | 93,375,000 | 51,685,000 | 52,908,000 |
| Equity capital | 81,966,000 | 82,592,000 | 84,507,000 | 84,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 9,198,000 | 18,322,000 | 27,300,000 | 36,144,000 |
| Interest expense | 1,768,000 | 3,492,000 | 5,181,000 | 6,846,000 |
| Net interest income | 7,430,000 | 14,830,000 | 22,119,000 | 29,298,000 |
| Noninterest income | 2,570,000 | 5,629,000 | 8,357,000 | 11,557,000 |
| Noninterest expense | 9,390,000 | 18,559,000 | 27,276,000 | 37,124,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 900,000 |
| Pretax income | 664,000 | 1,886,000 | 3,314,000 | 4,251,000 |
| Income tax | 77,000 | 415,000 | 827,000 | 1,043,000 |
| Net income | 587,000 | 1,538,000 | 2,564,000 | 3,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,351,000 | 77,415,000 | 77,760,000 | 78,558,000 |
| Total capital | 81,958,000 | 82,807,000 | 83,049,000 | 83,864,000 |
| Risk-weighted assets | 687,821,000 | 692,522,000 | 695,980,000 | 690,357,000 |