Call reports 2002
BAY BANK & TRUST CO. — 2002
What BAY BANK & TRUST CO. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 183,173,000 | 192,485,000 | 197,333,000 | 202,032,000 |
| Total loans | 106,509,000 | 108,530,000 | 109,185,000 | 109,436,000 |
| Allowance for loan losses | 1,612,000 | 1,616,000 | 1,614,000 | 1,625,000 |
| Securities available for sale | 27,325,000 | 25,988,000 | 22,844,000 | 23,054,000 |
| Securities held to maturity | 1,688,000 | 1,671,000 | 6,720,000 | 8,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,856,000 | 172,612,000 | 177,157,000 | 182,158,000 |
| Interest-bearing deposits | 124,874,000 | 134,043,000 | 138,909,000 | 148,955,000 |
| Noninterest-bearing deposits | 38,982,000 | 38,569,000 | 38,248,000 | 33,203,000 |
| Equity capital | 16,653,000 | 17,257,000 | 17,484,000 | 16,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,438,000 | 4,900,000 | 7,363,000 | 9,704,000 |
| Interest expense | 727,000 | 1,429,000 | 2,153,000 | 2,853,000 |
| Net interest income | 1,711,000 | 3,471,000 | 5,210,000 | 6,851,000 |
| Noninterest income | 459,000 | 884,000 | 1,273,000 | 1,677,000 |
| Noninterest expense | 1,530,000 | 3,052,000 | 4,547,000 | 6,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 640,000 | 1,428,000 | 2,061,000 | 2,607,000 |
| Income tax | 0 | 38,000 | 63,000 | 88,000 |
| Net income | 640,000 | 1,390,000 | 1,998,000 | 2,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,336,000 | 16,744,000 | 17,008,000 | 16,170,000 |
| Total capital | 17,768,000 | 18,200,000 | 18,463,000 | 17,634,000 |
| Risk-weighted assets | 114,316,000 | 116,252,000 | 116,166,000 | 116,798,000 |