Call reports 2009
BAY BANK & TRUST CO. — 2009
What BAY BANK & TRUST CO. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 254,474,000 | 247,440,000 | 241,999,000 | 236,174,000 |
| Total loans | 138,204,000 | 134,644,000 | 132,872,000 | 131,510,000 |
| Allowance for loan losses | 1,988,000 | 2,329,000 | 2,477,000 | 3,050,000 |
| Securities available for sale | 19,790,000 | 17,083,000 | 21,712,000 | 23,398,000 |
| Securities held to maturity | 1,729,000 | 1,514,000 | 6,623,000 | 6,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,026,000 | 215,140,000 | 209,619,000 | 206,416,000 |
| Interest-bearing deposits | 163,144,000 | 154,753,000 | 152,887,000 | 150,454,000 |
| Noninterest-bearing deposits | 58,882,000 | 60,387,000 | 56,732,000 | 55,962,000 |
| Equity capital | 30,898,000 | 30,429,000 | 30,329,000 | 29,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,246,000 | 4,485,000 | 6,673,000 | 8,832,000 |
| Interest expense | 551,000 | 1,038,000 | 1,496,000 | 1,879,000 |
| Net interest income | 1,695,000 | 3,447,000 | 5,177,000 | 6,953,000 |
| Noninterest income | 350,000 | 755,000 | 1,175,000 | 1,574,000 |
| Noninterest expense | 1,967,000 | 4,033,000 | 6,030,000 | 8,021,000 |
| Provision for loan losses | 415,000 | 890,000 | 1,165,000 | 2,441,000 |
| Pretax income | -337,000 | -721,000 | -843,000 | -1,935,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -337,000 | -721,000 | -843,000 | -1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,677,000 | 30,293,000 | 30,171,000 | 29,078,000 |
| Total capital | 32,488,000 | 32,093,000 | 31,912,000 | 30,805,000 |
| Risk-weighted assets | 144,721,000 | 143,498,000 | 138,557,000 | 136,865,000 |