Call reports 2013
BAYCOAST BANK — 2013
What BAYCOAST BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 970,695,000 | 989,275,000 | 997,993,000 | 1,015,355,000 |
| Total loans | 656,872,000 | 659,302,000 | 685,696,000 | 722,037,000 |
| Allowance for loan losses | 5,499,000 | 5,670,000 | 5,860,000 | 5,953,000 |
| Securities available for sale | 237,917,000 | 236,857,000 | 230,886,000 | 212,667,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 765,976,000 | 777,164,000 | 789,541,000 | 804,749,000 |
| Interest-bearing deposits | 717,024,000 | 721,679,000 | 735,078,000 | 675,437,000 |
| Noninterest-bearing deposits | 48,952,000 | 55,485,000 | 54,463,000 | 129,312,000 |
| Equity capital | 86,281,000 | 85,917,000 | 87,121,000 | 92,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 8,648,000 | 17,430,000 | 26,287,000 | 35,229,000 |
| Interest expense | 1,682,000 | 3,308,000 | 4,900,000 | 6,445,000 |
| Net interest income | 6,966,000 | 14,122,000 | 21,387,000 | 28,784,000 |
| Noninterest income | 3,170,000 | 6,110,000 | 9,061,000 | 12,636,000 |
| Noninterest expense | 9,523,000 | 19,116,000 | 28,776,000 | 39,372,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 835,000 |
| Pretax income | 820,000 | 1,724,000 | 2,995,000 | 3,855,000 |
| Income tax | 169,000 | 357,000 | 700,000 | 854,000 |
| Net income | 667,000 | 1,397,000 | 2,316,000 | 3,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,349,000 | 80,221,000 | 80,989,000 | 81,957,000 |
| Total capital | 84,848,000 | 85,891,000 | 86,849,000 | 87,910,000 |
| Risk-weighted assets | 725,156,000 | 732,511,000 | 753,418,000 | 771,362,000 |