Call reports 2001
BAY BANK & TRUST CO. — 2001
What BAY BANK & TRUST CO. reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 170,132,000 | 178,042,000 | 180,723,000 | 179,488,000 |
| Total loans | 107,198,000 | 107,357,000 | 106,946,000 | 106,675,000 |
| Allowance for loan losses | 1,706,000 | 1,702,000 | 1,712,000 | 1,614,000 |
| Securities available for sale | 24,574,000 | 25,330,000 | 28,015,000 | 28,504,000 |
| Securities held to maturity | 2,008,000 | 1,955,000 | 1,909,000 | 1,770,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,015,000 | 157,735,000 | 159,555,000 | 158,419,000 |
| Interest-bearing deposits | 116,043,000 | 122,682,000 | 126,057,000 | 121,432,000 |
| Noninterest-bearing deposits | 33,972,000 | 35,053,000 | 33,498,000 | 36,987,000 |
| Equity capital | 16,742,000 | 17,077,000 | 17,791,000 | 16,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 3,059,000 | 6,022,000 | 8,927,000 | 11,562,000 |
| Interest expense | 1,257,000 | 2,479,000 | 3,631,000 | 4,545,000 |
| Net interest income | 1,802,000 | 3,543,000 | 5,296,000 | 7,017,000 |
| Noninterest income | 445,000 | 871,000 | 1,262,000 | 1,629,000 |
| Noninterest expense | 1,513,000 | 3,007,000 | 4,559,000 | 6,017,000 |
| Provision for loan losses | 0 | 0 | -150,000 | -150,000 |
| Pretax income | 734,000 | 1,407,000 | 2,149,000 | 2,779,000 |
| Income tax | 27,000 | 79,000 | 111,000 | 139,000 |
| Net income | 707,000 | 1,328,000 | 2,038,000 | 2,640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,376,000 | 16,655,000 | 17,026,000 | 16,044,000 |
| Total capital | 17,752,000 | 18,061,000 | 18,445,000 | 17,457,000 |
| Risk-weighted assets | 110,110,000 | 112,498,000 | 113,211,000 | 112,982,000 |