Call reports 2022
BAYCOAST BANK — 2022
What BAYCOAST BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,293,578,000 | 2,580,450,000 | 2,604,937,000 | 2,820,893,000 |
| Total loans | 1,771,079,000 | 2,030,201,000 | 2,111,758,000 | 2,304,475,000 |
| Allowance for loan losses | 21,676,000 | 21,899,000 | 22,871,000 | 21,793,000 |
| Securities available for sale | 257,593,000 | 264,883,000 | 284,704,000 | 276,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,039,929,000 | 2,198,133,000 | 2,182,563,000 | 2,462,433,000 |
| Interest-bearing deposits | 1,542,309,000 | 1,738,332,000 | 1,710,217,000 | 2,008,245,000 |
| Noninterest-bearing deposits | 497,620,000 | 459,801,000 | 472,346,000 | 454,188,000 |
| Equity capital | 204,881,000 | 195,272,000 | 194,359,000 | 219,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 19,725,000 | 41,500,000 | 67,271,000 | 95,983,000 |
| Interest expense | 1,122,000 | 2,637,000 | 6,493,000 | 14,103,000 |
| Net interest income | 18,603,000 | 38,863,000 | 60,778,000 | 81,880,000 |
| Noninterest income | 10,626,000 | 19,422,000 | 28,046,000 | 37,221,000 |
| Noninterest expense | 26,375,000 | 50,914,000 | 76,847,000 | 102,326,000 |
| Provision for loan losses | 1,250,000 | 2,500,000 | 3,533,000 | 4,350,000 |
| Pretax income | -947,000 | -7,403,000 | -3,876,000 | 124,000 |
| Income tax | -371,000 | -2,165,000 | -1,276,000 | -405,000 |
| Net income | -625,000 | -5,323,000 | -2,704,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 209,893,000 | 203,642,000 | 209,807,000 | 222,014,000 |
| Total capital | 231,569,000 | 225,541,000 | 232,678,000 | 243,807,000 |
| Risk-weighted assets | 2,063,204,000 | 2,283,035,000 | 2,224,785,000 | 2,300,391,000 |