Call reports 2003
BAY BANK & TRUST CO. — 2003
What BAY BANK & TRUST CO. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 212,114,000 | 202,503,000 | 212,876,000 | 203,439,000 |
| Total loans | 107,959,000 | 111,528,000 | 116,978,000 | 122,273,000 |
| Allowance for loan losses | 1,650,000 | 1,676,000 | 1,685,000 | 1,679,000 |
| Securities available for sale | 23,027,000 | 24,211,000 | 23,709,000 | 24,148,000 |
| Securities held to maturity | 9,654,000 | 7,522,000 | 7,489,000 | 7,454,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,154,000 | 183,180,000 | 193,566,000 | 183,698,000 |
| Interest-bearing deposits | 157,184,000 | 144,225,000 | 148,099,000 | 146,430,000 |
| Noninterest-bearing deposits | 35,970,000 | 38,955,000 | 45,467,000 | 37,268,000 |
| Equity capital | 16,640,000 | 17,157,000 | 17,020,000 | 16,332,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,171,000 | 4,302,000 | 6,370,000 | 8,506,000 |
| Interest expense | 605,000 | 1,149,000 | 1,646,000 | 2,109,000 |
| Net interest income | 1,566,000 | 3,153,000 | 4,724,000 | 6,397,000 |
| Noninterest income | 447,000 | 1,263,000 | 1,698,000 | 2,206,000 |
| Noninterest expense | 1,515,000 | 3,027,000 | 4,580,000 | 6,172,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 536,000 | 1,427,000 | 1,881,000 | 2,470,000 |
| Income tax | 0 | 49,000 | 49,000 | 49,000 |
| Net income | 536,000 | 1,378,000 | 1,832,000 | 2,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,363,000 | 16,862,000 | 16,972,000 | 16,277,000 |
| Total capital | 17,851,000 | 18,382,000 | 18,573,000 | 17,890,000 |
| Risk-weighted assets | 118,708,000 | 121,331,000 | 127,938,000 | 128,828,000 |