Call reports 2007
BAY BANK & TRUST CO. — 2007
What BAY BANK & TRUST CO. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 266,503,000 | 263,454,000 | 254,512,000 | 271,372,000 |
| Total loans | 168,635,000 | 169,441,000 | 158,942,000 | 160,393,000 |
| Allowance for loan losses | 2,045,000 | 2,043,000 | 2,059,000 | 1,939,000 |
| Securities available for sale | 18,220,000 | 17,163,000 | 18,185,000 | 17,165,000 |
| Securities held to maturity | 128,000 | 124,000 | 118,000 | 112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,427,000 | 229,817,000 | 219,787,000 | 236,851,000 |
| Interest-bearing deposits | 184,040,000 | 183,284,000 | 174,150,000 | 194,754,000 |
| Noninterest-bearing deposits | 46,387,000 | 46,533,000 | 45,637,000 | 42,097,000 |
| Equity capital | 29,744,000 | 30,144,000 | 30,408,000 | 30,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,401,000 | 8,880,000 | 13,334,000 | 17,477,000 |
| Interest expense | 1,363,000 | 2,776,000 | 4,264,000 | 5,730,000 |
| Net interest income | 3,038,000 | 6,104,000 | 9,070,000 | 11,747,000 |
| Noninterest income | 440,000 | 943,000 | 1,349,000 | 1,726,000 |
| Noninterest expense | 2,085,000 | 4,155,000 | 6,224,000 | 8,504,000 |
| Provision for loan losses | 20,000 | 100,000 | 185,000 | 240,000 |
| Pretax income | 1,373,000 | 2,792,000 | 4,010,000 | 4,729,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,373,000 | 2,792,000 | 4,010,000 | 4,729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,762,000 | 30,164,000 | 30,364,000 | 30,722,000 |
| Total capital | 31,807,000 | 32,207,000 | 32,423,000 | 32,661,000 |
| Risk-weighted assets | 174,240,000 | 176,316,000 | 168,101,000 | 171,130,000 |