Call reports 2010
BAY BANK & TRUST CO. — 2010
What BAY BANK & TRUST CO. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 227,828,000 | 227,986,000 | 231,347,000 | 236,156,000 |
| Total loans | 126,269,000 | 125,855,000 | 126,464,000 | 125,672,000 |
| Allowance for loan losses | 2,180,000 | 2,304,000 | 2,558,000 | 2,323,000 |
| Securities available for sale | 20,883,000 | 32,336,000 | 30,209,000 | 39,026,000 |
| Securities held to maturity | 6,352,000 | 6,162,000 | 5,931,000 | 5,670,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,081,000 | 197,974,000 | 201,450,000 | 206,988,000 |
| Interest-bearing deposits | 140,289,000 | 141,855,000 | 143,629,000 | 151,409,000 |
| Noninterest-bearing deposits | 57,792,000 | 56,119,000 | 57,821,000 | 55,579,000 |
| Equity capital | 29,174,000 | 29,357,000 | 29,232,000 | 28,740,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,016,000 | 4,102,000 | 6,180,000 | 8,283,000 |
| Interest expense | 314,000 | 599,000 | 870,000 | 1,127,000 |
| Net interest income | 1,702,000 | 3,503,000 | 5,310,000 | 7,156,000 |
| Noninterest income | 390,000 | 768,000 | 1,172,000 | 1,620,000 |
| Noninterest expense | 2,091,000 | 4,100,000 | 6,003,000 | 8,084,000 |
| Provision for loan losses | 75,000 | 225,000 | 600,000 | 900,000 |
| Pretax income | -74,000 | -54,000 | 134,000 | 59,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -74,000 | -54,000 | 134,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,005,000 | 29,024,000 | 29,211,000 | 29,137,000 |
| Total capital | 30,653,000 | 30,608,000 | 30,787,000 | 30,715,000 |
| Risk-weighted assets | 130,749,000 | 125,973,000 | 125,232,000 | 129,124,000 |