Call reports 2012
BAY VIEW FEDERAL SAVINGS AND LOAN ASSOCIATION — 2012
What BAY VIEW FEDERAL SAVINGS AND LOAN ASSOCIATION 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 | 137,167,000 | 138,192,000 | 137,827,000 | 135,288,000 |
| Total loans | 72,622,000 | 70,825,000 | 70,541,000 | 71,141,000 |
| Allowance for loan losses | 1,225,000 | 1,365,000 | 1,450,000 | 1,435,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 45,250,000 | 46,077,000 | 48,969,000 | 47,474,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,176,000 | 116,213,000 | 115,749,000 | 113,116,000 |
| Interest-bearing deposits | 116,176,000 | 116,213,000 | 115,749,000 | 113,116,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 17,194,000 | 17,552,000 | 17,934,000 | 18,260,000 |
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 | 1,337,000 | 2,642,000 | 3,944,000 | 5,233,000 |
| Interest expense | 423,000 | 806,000 | 1,170,000 | 1,489,000 |
| Net interest income | 914,000 | 1,836,000 | 2,774,000 | 3,744,000 |
| Noninterest income | -24,000 | 2,000 | 27,000 | -30,000 |
| Noninterest expense | 361,000 | 674,000 | 996,000 | 1,434,000 |
| Provision for loan losses | 165,000 | 305,000 | 390,000 | 412,000 |
| Pretax income | 364,000 | 859,000 | 1,415,000 | 1,868,000 |
| Income tax | 104,000 | 241,000 | 415,000 | 543,000 |
| Net income | 260,000 | 618,000 | 1,000,000 | 1,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,194,000 | 17,552,000 | 17,934,000 | 18,260,000 |
| Total capital | 17,928,000 | 18,270,000 | 18,617,000 | 18,938,000 |
| Risk-weighted assets | 58,218,000 | 56,768,000 | 53,875,000 | 53,487,000 |