Call reports 2006
BAY BANK & TRUST CO. — 2006
What BAY BANK & TRUST CO. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 271,759,000 | 263,785,000 | 263,702,000 | 257,491,000 |
| Total loans | 176,742,000 | 175,622,000 | 170,709,000 | 168,585,000 |
| Allowance for loan losses | 1,897,000 | 1,944,000 | 2,001,000 | 2,030,000 |
| Securities available for sale | 14,486,000 | 14,372,000 | 14,351,000 | 16,798,000 |
| Securities held to maturity | 211,000 | 191,000 | 168,000 | 153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,388,000 | 232,099,000 | 230,926,000 | 221,575,000 |
| Interest-bearing deposits | 184,613,000 | 178,663,000 | 181,222,000 | 179,155,000 |
| Noninterest-bearing deposits | 55,775,000 | 53,436,000 | 49,704,000 | 42,420,000 |
| Equity capital | 28,014,000 | 28,715,000 | 29,397,000 | 29,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,147,000 | 8,550,000 | 13,235,000 | 17,758,000 |
| Interest expense | 919,000 | 1,989,000 | 3,259,000 | 4,596,000 |
| Net interest income | 3,228,000 | 6,561,000 | 9,976,000 | 13,162,000 |
| Noninterest income | 491,000 | 1,009,000 | 1,465,000 | 1,949,000 |
| Noninterest expense | 2,014,000 | 4,080,000 | 6,182,000 | 8,407,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 1,645,000 | 3,370,000 | 5,079,000 | 6,464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,645,000 | 3,370,000 | 5,079,000 | 6,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,094,000 | 28,802,000 | 29,430,000 | 29,407,000 |
| Total capital | 29,991,000 | 30,747,000 | 31,431,000 | 31,437,000 |
| Risk-weighted assets | 185,297,000 | 183,194,000 | 174,373,000 | 172,530,000 |