Call reports 2005
BAY BANK & TRUST CO. — 2005
What BAY BANK & TRUST CO. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 265,660,000 | 263,645,000 | 279,186,000 | 266,886,000 |
| Total loans | 160,558,000 | 167,877,000 | 174,359,000 | 176,982,000 |
| Allowance for loan losses | 1,702,000 | 1,743,000 | 1,777,000 | 1,822,000 |
| Securities available for sale | 13,260,000 | 14,977,000 | 16,773,000 | 14,599,000 |
| Securities held to maturity | 2,294,000 | 278,000 | 246,000 | 216,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,890,000 | 236,852,000 | 250,567,000 | 236,832,000 |
| Interest-bearing deposits | 185,646,000 | 180,102,000 | 190,502,000 | 184,554,000 |
| Noninterest-bearing deposits | 53,244,000 | 56,750,000 | 60,065,000 | 52,278,000 |
| Equity capital | 24,228,000 | 25,095,000 | 26,122,000 | 27,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,012,000 | 6,416,000 | 10,179,000 | 14,201,000 |
| Interest expense | 599,000 | 1,256,000 | 1,976,000 | 2,814,000 |
| Net interest income | 2,413,000 | 5,160,000 | 8,203,000 | 11,387,000 |
| Noninterest income | 500,000 | 1,005,000 | 1,501,000 | 2,029,000 |
| Noninterest expense | 1,823,000 | 3,652,000 | 5,573,000 | 7,634,000 |
| Provision for loan losses | 0 | 30,000 | 75,000 | 120,000 |
| Pretax income | 1,090,000 | 2,483,000 | 4,056,000 | 5,662,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,090,000 | 2,483,000 | 4,056,000 | 5,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,330,000 | 25,173,000 | 26,197,000 | 27,389,000 |
| Total capital | 26,032,000 | 26,916,000 | 27,974,000 | 29,211,000 |
| Risk-weighted assets | 170,860,000 | 176,824,000 | 181,061,000 | 185,043,000 |