Call reports 2012
BAYFIRST NATIONAL BANK — 2012
What BAYFIRST NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 72,972,000 | 72,405,000 | 77,655,000 | 74,997,000 |
| Total loans | 56,227,000 | 57,597,000 | 58,612,000 | 55,854,000 |
| Allowance for loan losses | 1,150,000 | 1,583,000 | 1,803,000 | 1,808,000 |
| Securities available for sale | 599,000 | 602,000 | 601,000 | 796,000 |
| Securities held to maturity | 407,000 | 378,000 | 327,000 | 237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,287,000 | 62,448,000 | 68,123,000 | 66,640,000 |
| Interest-bearing deposits | 47,790,000 | 48,668,000 | 51,983,000 | 50,391,000 |
| Noninterest-bearing deposits | 14,497,000 | 13,780,000 | 16,140,000 | 16,249,000 |
| Equity capital | 4,783,000 | 4,040,000 | 3,609,000 | 3,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 824,000 | 1,680,000 | 2,556,000 | 3,400,000 |
| Interest expense | 92,000 | 178,000 | 263,000 | 341,000 |
| Net interest income | 732,000 | 1,502,000 | 2,293,000 | 3,059,000 |
| Noninterest income | 112,000 | 194,000 | 211,000 | 352,000 |
| Noninterest expense | 816,000 | 1,643,000 | 2,542,000 | 3,390,000 |
| Provision for loan losses | 30,000 | 801,000 | 1,142,000 | 1,143,000 |
| Pretax income | -2,000 | -748,000 | -1,180,000 | -1,122,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,000 | -748,000 | -1,180,000 | -1,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,784,000 | 4,038,000 | 3,608,000 | 3,664,000 |
| Total capital | 5,449,000 | 4,722,000 | 4,304,000 | 4,311,000 |
| Risk-weighted assets | 52,694,000 | 53,850,000 | 54,576,000 | 50,565,000 |