Call reports 2020
BAYCOAST BANK — 2020
What BAYCOAST BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,891,735,000 | 2,126,183,000 | 2,168,622,000 | 2,116,330,000 |
| Total loans | 1,465,986,000 | 1,643,692,000 | 1,703,531,000 | 1,673,933,000 |
| Allowance for loan losses | 12,110,000 | 13,146,000 | 15,118,000 | 17,640,000 |
| Securities available for sale | 122,595,000 | 182,788,000 | 224,579,000 | 222,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,541,202,000 | 1,731,732,000 | 1,739,564,000 | 1,746,094,000 |
| Interest-bearing deposits | 1,242,256,000 | 1,314,692,000 | 1,352,766,000 | 1,370,338,000 |
| Noninterest-bearing deposits | 298,946,000 | 417,040,000 | 386,798,000 | 375,756,000 |
| Equity capital | 161,575,000 | 168,905,000 | 176,545,000 | 173,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 17,926,000 | 35,608,000 | 54,129,000 | 73,130,000 |
| Interest expense | 4,282,000 | 7,416,000 | 10,072,000 | 12,548,000 |
| Net interest income | 13,644,000 | 28,192,000 | 44,057,000 | 60,582,000 |
| Noninterest income | 11,940,000 | 25,421,000 | 43,298,000 | 59,594,000 |
| Noninterest expense | 20,465,000 | 43,021,000 | 67,490,000 | 91,194,000 |
| Provision for loan losses | 845,000 | 2,060,000 | 4,035,000 | 6,635,000 |
| Pretax income | -4,555,000 | 5,872,000 | 16,317,000 | 29,440,000 |
| Income tax | -1,413,000 | 1,221,000 | 3,997,000 | 7,329,000 |
| Net income | -3,169,000 | 4,601,000 | 12,228,000 | 21,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 153,124,000 | 160,070,000 | 167,027,000 | 169,797,000 |
| Total capital | 165,234,000 | 173,216,000 | 182,145,000 | 187,437,000 |
| Risk-weighted assets | 1,594,568,000 | 1,658,746,000 | 1,696,662,000 | 1,676,755,000 |