Call reports 2021
BAYCOAST BANK — 2021
What BAYCOAST BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 2,173,183,000 | 2,244,726,000 | 2,249,593,000 | 2,259,576,000 |
| Total loans | 1,700,401,000 | 1,754,895,000 | 1,730,246,000 | 1,749,794,000 |
| Allowance for loan losses | 19,376,000 | 20,048,000 | 21,492,000 | 22,847,000 |
| Securities available for sale | 226,614,000 | 248,613,000 | 245,377,000 | 250,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,856,094,000 | 1,939,434,000 | 1,978,652,000 | 2,012,837,000 |
| Interest-bearing deposits | 1,385,319,000 | 1,463,813,000 | 1,486,557,000 | 1,508,194,000 |
| Noninterest-bearing deposits | 470,775,000 | 475,621,000 | 492,095,000 | 504,643,000 |
| Equity capital | 176,863,000 | 195,421,000 | 197,699,000 | 203,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 19,020,000 | 37,836,000 | 58,380,000 | 78,695,000 |
| Interest expense | 2,075,000 | 3,936,000 | 5,600,000 | 7,006,000 |
| Net interest income | 16,945,000 | 33,900,000 | 52,780,000 | 71,689,000 |
| Noninterest income | 18,005,000 | 30,319,000 | 44,972,000 | 59,353,000 |
| Noninterest expense | 26,844,000 | 53,052,000 | 80,256,000 | 104,852,000 |
| Provision for loan losses | 1,700,000 | 3,200,000 | 4,700,000 | 6,200,000 |
| Pretax income | 10,416,000 | 16,063,000 | 20,862,000 | 33,319,000 |
| Income tax | 2,652,000 | 4,045,000 | 5,245,000 | 8,453,000 |
| Net income | 7,725,000 | 11,932,000 | 15,478,000 | 24,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,484,000 | 190,238,000 | 192,929,000 | 201,071,000 |
| Total capital | 192,860,000 | 210,286,000 | 214,421,000 | 223,918,000 |
| Risk-weighted assets | 1,711,342,000 | 1,895,554,000 | 1,947,715,000 | 2,027,734,000 |