Call reports 2004
BAY BANK & TRUST CO. — 2004
What BAY BANK & TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 214,439,000 | 234,281,000 | 247,232,000 | 267,623,000 |
| Total loans | 126,129,000 | 138,048,000 | 142,341,000 | 156,090,000 |
| Allowance for loan losses | 1,712,000 | 1,701,000 | 1,705,000 | 1,702,000 |
| Securities available for sale | 21,932,000 | 11,286,000 | 10,915,000 | 11,567,000 |
| Securities held to maturity | 7,425,000 | 4,377,000 | 4,330,000 | 3,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,720,000 | 209,920,000 | 222,038,000 | 242,099,000 |
| Interest-bearing deposits | 154,608,000 | 164,530,000 | 170,338,000 | 192,825,000 |
| Noninterest-bearing deposits | 41,112,000 | 45,390,000 | 51,700,000 | 49,274,000 |
| Equity capital | 16,603,000 | 22,523,000 | 23,024,000 | 23,624,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,121,000 | 4,290,000 | 6,711,000 | 9,497,000 |
| Interest expense | 436,000 | 868,000 | 1,342,000 | 1,896,000 |
| Net interest income | 1,685,000 | 3,422,000 | 5,369,000 | 7,601,000 |
| Noninterest income | 461,000 | 1,039,000 | 1,620,000 | 2,086,000 |
| Noninterest expense | 1,642,000 | 3,263,000 | 4,934,000 | 6,628,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 504,000 | 1,172,000 | 2,029,000 | 3,033,000 |
| Income tax | 0 | 17,000 | 56,000 | 56,000 |
| Net income | 504,000 | 1,155,000 | 1,973,000 | 2,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,436,000 | 22,549,000 | 23,019,000 | 23,674,000 |
| Total capital | 18,108,000 | 24,250,000 | 24,724,000 | 25,376,000 |
| Risk-weighted assets | 133,578,000 | 150,687,000 | 155,588,000 | 168,544,000 |