Call reports 2009
BAYFIRST NATIONAL BANK — 2009
What BAYFIRST NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 104,364,000 | 100,765,000 | 94,687,000 | 97,148,000 |
| Total loans | 85,196,000 | 84,411,000 | 83,141,000 | 81,464,000 |
| Allowance for loan losses | 1,187,000 | 1,482,000 | 2,048,000 | 1,508,000 |
| Securities available for sale | 2,245,000 | 1,104,000 | 1,022,000 | 0 |
| Securities held to maturity | 275,000 | 275,000 | 1,286,000 | 736,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,157,000 | 80,056,000 | 75,367,000 | 77,006,000 |
| Interest-bearing deposits | 71,680,000 | 70,107,000 | 65,574,000 | 68,613,000 |
| Noninterest-bearing deposits | 7,477,000 | 9,949,000 | 9,793,000 | 8,393,000 |
| Equity capital | 8,685,000 | 8,007,000 | 7,104,000 | 7,962,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,400,000 | 2,722,000 | 4,003,000 | 5,230,000 |
| Interest expense | 566,000 | 1,110,000 | 1,583,000 | 1,985,000 |
| Net interest income | 834,000 | 1,612,000 | 2,420,000 | 3,245,000 |
| Noninterest income | 122,000 | 248,000 | 213,000 | 329,000 |
| Noninterest expense | 718,000 | 1,468,000 | 2,192,000 | 2,959,000 |
| Provision for loan losses | 217,000 | 1,045,000 | 2,009,000 | 2,597,000 |
| Pretax income | 21,000 | -653,000 | -1,568,000 | -1,947,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 21,000 | -653,000 | -1,568,000 | -1,947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,666,000 | 7,993,000 | 7,078,000 | 7,962,000 |
| Total capital | 9,642,000 | 8,955,000 | 8,023,000 | 8,896,000 |
| Risk-weighted assets | 77,850,000 | 76,440,000 | 74,476,000 | 74,153,000 |