Call reports 2016
BAYCOAST BANK — 2016
What BAYCOAST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,169,700,000 | 1,212,291,000 | 1,252,589,000 | 1,261,279,000 |
| Total loans | 919,244,000 | 964,717,000 | 978,103,000 | 963,505,000 |
| Allowance for loan losses | 6,625,000 | 6,755,000 | 6,927,000 | 7,136,000 |
| Securities available for sale | 162,834,000 | 140,718,000 | 177,105,000 | 202,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 941,588,000 | 965,419,000 | 981,638,000 | 991,892,000 |
| Interest-bearing deposits | 766,736,000 | 782,800,000 | 804,051,000 | 803,506,000 |
| Noninterest-bearing deposits | 174,852,000 | 182,619,000 | 177,587,000 | 188,386,000 |
| Equity capital | 92,983,000 | 94,662,000 | 116,493,000 | 118,362,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 10,380,000 | 21,074,000 | 32,105,000 | 43,029,000 |
| Interest expense | 1,446,000 | 2,998,000 | 4,662,000 | 6,346,000 |
| Net interest income | 8,934,000 | 18,076,000 | 27,443,000 | 36,683,000 |
| Noninterest income | 5,117,000 | 9,818,000 | 14,510,000 | 19,190,000 |
| Noninterest expense | 11,909,000 | 24,094,000 | 36,224,000 | 49,067,000 |
| Provision for loan losses | 210,000 | 390,000 | 570,000 | 750,000 |
| Pretax income | 1,905,000 | 3,696,000 | 6,011,000 | 7,507,000 |
| Income tax | 592,000 | 1,140,000 | 1,887,000 | 2,197,000 |
| Net income | 1,274,000 | 2,512,000 | 4,078,000 | 5,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,738,000 | 93,038,000 | 114,408,000 | 115,668,000 |
| Total capital | 99,629,000 | 101,235,000 | 123,229,000 | 125,164,000 |
| Risk-weighted assets | 927,608,000 | 970,815,000 | 973,049,000 | 991,679,000 |