Call report 2003Q4
BAY BANK & TRUST CO. — 2003Q4
The 22 measures BAY BANK & TRUST CO. reported to the FFIEC for 2003Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 203,439,000 | USD | evidence → |
| Total loans | 122,273,000 | USD | evidence → |
| Allowance for loan losses | 1,679,000 | USD | evidence → |
| Securities available for sale | 24,148,000 | USD | evidence → |
| Securities held to maturity | 7,454,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 183,698,000 | USD | evidence → |
| Interest-bearing deposits | 146,430,000 | USD | evidence → |
| Noninterest-bearing deposits | 37,268,000 | USD | evidence → |
| Equity capital | 16,332,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 8,506,000 | USD | evidence → |
| Interest expense | 2,109,000 | USD | evidence → |
| Net interest income | 6,397,000 | USD | evidence → |
| Noninterest income | 2,206,000 | USD | evidence → |
| Noninterest expense | 6,172,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 2,470,000 | USD | evidence → |
| Income tax | 49,000 | USD | evidence → |
| Net income | 2,421,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 16,277,000 | USD | evidence → |
| Total capital | 17,890,000 | USD | evidence → |
| Risk-weighted assets | 128,828,000 | USD | evidence → |