Call reports 2013
BAYFIRST NATIONAL BANK — 2013
What BAYFIRST NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 72,040,000 | 72,128,000 | 69,781,000 | 75,494,000 |
| Total loans | 54,134,000 | 53,475,000 | 53,011,000 | 52,703,000 |
| Allowance for loan losses | 1,792,000 | 1,634,000 | 1,568,000 | 1,464,000 |
| Securities available for sale | 800,000 | 781,000 | 774,000 | 774,000 |
| Securities held to maturity | 236,000 | 185,000 | 166,000 | 111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,211,000 | 66,222,000 | 63,828,000 | 66,748,000 |
| Interest-bearing deposits | 50,812,000 | 49,774,000 | 47,339,000 | 50,667,000 |
| Noninterest-bearing deposits | 15,399,000 | 16,448,000 | 16,489,000 | 16,081,000 |
| Equity capital | 3,665,000 | 3,665,000 | 3,705,000 | 4,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 776,000 | 1,541,000 | 2,318,000 | 3,081,000 |
| Interest expense | 71,000 | 142,000 | 212,000 | 277,000 |
| Net interest income | 705,000 | 1,399,000 | 2,106,000 | 2,804,000 |
| Noninterest income | 88,000 | 289,000 | 430,000 | 744,000 |
| Noninterest expense | 792,000 | 1,669,000 | 2,469,000 | 3,458,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,000 | 19,000 | 67,000 | 90,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,000 | 19,000 | 67,000 | 90,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,665,000 | 3,683,000 | 3,731,000 | 4,033,000 |
| Total capital | 4,288,000 | 4,311,000 | 4,378,000 | 4,682,000 |
| Risk-weighted assets | 48,661,000 | 49,228,000 | 50,867,000 | 51,122,000 |