Call reports 2019
BAYCOAST BANK — 2019
What BAYCOAST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,723,653,000 | 1,769,943,000 | 1,858,809,000 | 1,782,088,000 |
| Total loans | 1,350,419,000 | 1,420,699,000 | 1,494,615,000 | 1,473,021,000 |
| Allowance for loan losses | 9,938,000 | 10,934,000 | 10,750,000 | 11,246,000 |
| Securities available for sale | 158,637,000 | 159,299,000 | 135,939,000 | 97,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,337,563,000 | 1,433,398,000 | 1,516,947,000 | 1,419,240,000 |
| Interest-bearing deposits | 1,098,640,000 | 1,176,835,000 | 1,225,895,000 | 1,146,677,000 |
| Noninterest-bearing deposits | 238,923,000 | 256,563,000 | 291,052,000 | 272,563,000 |
| Equity capital | 160,392,000 | 161,856,000 | 164,432,000 | 166,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,083,000 | 34,839,000 | 53,224,000 | 71,713,000 |
| Interest expense | 4,306,000 | 9,062,000 | 13,954,000 | 18,591,000 |
| Net interest income | 12,777,000 | 25,777,000 | 39,270,000 | 53,122,000 |
| Noninterest income | 7,276,000 | 15,528,000 | 24,892,000 | 34,258,000 |
| Noninterest expense | 17,845,000 | 36,071,000 | 54,795,000 | 74,691,000 |
| Provision for loan losses | 533,000 | 1,665,000 | 2,538,000 | 3,493,000 |
| Pretax income | 5,281,000 | 8,239,000 | 12,891,000 | 18,600,000 |
| Income tax | 1,287,000 | 1,980,000 | 3,148,000 | 4,565,000 |
| Net income | 3,974,000 | 6,234,000 | 9,696,000 | 13,930,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 150,357,000 | 151,844,000 | 154,636,000 | 157,599,000 |
| Total capital | 160,295,000 | 162,778,000 | 165,386,000 | 168,845,000 |
| Risk-weighted assets | 1,395,672,000 | 1,453,080,000 | 1,521,010,000 | 1,514,003,000 |