Call reports 2008
BAY BANK & TRUST CO. — 2008
What BAY BANK & TRUST CO. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 274,357,000 | 260,748,000 | 241,567,000 | 239,634,000 |
| Total loans | 155,922,000 | 153,097,000 | 145,257,000 | 143,762,000 |
| Allowance for loan losses | 1,982,000 | 2,159,000 | 2,218,000 | 2,201,000 |
| Securities available for sale | 15,888,000 | 15,714,000 | 14,810,000 | 18,459,000 |
| Securities held to maturity | 108,000 | 1,982,000 | 1,945,000 | 1,821,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,404,000 | 227,572,000 | 208,209,000 | 206,373,000 |
| Interest-bearing deposits | 196,069,000 | 177,649,000 | 166,143,000 | 168,405,000 |
| Noninterest-bearing deposits | 44,335,000 | 49,923,000 | 42,066,000 | 37,968,000 |
| Equity capital | 30,934,000 | 30,684,000 | 30,907,000 | 31,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,631,000 | 6,693,000 | 9,582,000 | 12,097,000 |
| Interest expense | 1,244,000 | 2,251,000 | 3,080,000 | 3,761,000 |
| Net interest income | 2,387,000 | 4,442,000 | 6,502,000 | 8,336,000 |
| Noninterest income | 401,000 | 785,000 | 1,143,000 | 1,503,000 |
| Noninterest expense | 2,092,000 | 4,206,000 | 6,259,000 | 8,120,000 |
| Provision for loan losses | 150,000 | 600,000 | 750,000 | 950,000 |
| Pretax income | 546,000 | 421,000 | 636,000 | 769,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 546,000 | 421,000 | 636,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,790,000 | 30,666,000 | 30,881,000 | 31,014,000 |
| Total capital | 32,772,000 | 32,697,000 | 32,803,000 | 32,921,000 |
| Risk-weighted assets | 168,392,000 | 162,361,000 | 153,405,000 | 152,268,000 |