Call reports 2011
BAY BANK & TRUST CO. — 2011
What BAY BANK & TRUST CO. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 246,182,000 | 245,880,000 | 247,009,000 | 232,517,000 |
| Total loans | 126,359,000 | 122,652,000 | 121,594,000 | 116,905,000 |
| Allowance for loan losses | 2,605,000 | 4,585,000 | 2,329,000 | 2,244,000 |
| Securities available for sale | 29,847,000 | 26,168,000 | 26,263,000 | 22,178,000 |
| Securities held to maturity | 8,300,000 | 5,133,000 | 4,883,000 | 4,646,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,597,000 | 219,775,000 | 220,614,000 | 206,556,000 |
| Interest-bearing deposits | 154,393,000 | 154,556,000 | 155,064,000 | 148,651,000 |
| Noninterest-bearing deposits | 63,204,000 | 65,219,000 | 65,550,000 | 57,905,000 |
| Equity capital | 28,151,000 | 25,557,000 | 25,800,000 | 25,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,091,000 | 4,194,000 | 6,211,000 | 8,147,000 |
| Interest expense | 229,000 | 439,000 | 622,000 | 773,000 |
| Net interest income | 1,862,000 | 3,755,000 | 5,589,000 | 7,374,000 |
| Noninterest income | 427,000 | 886,000 | 1,286,000 | 1,777,000 |
| Noninterest expense | 2,628,000 | 4,856,000 | 6,825,000 | 9,000,000 |
| Provision for loan losses | 300,000 | 3,300,000 | 3,350,000 | 3,650,000 |
| Pretax income | -875,000 | -3,751,000 | -3,513,000 | -3,710,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -875,000 | -3,751,000 | -3,513,000 | -3,710,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,261,000 | 25,385,000 | 25,624,000 | 25,427,000 |
| Total capital | 29,938,000 | 27,015,000 | 27,195,000 | 26,952,000 |
| Risk-weighted assets | 133,188,000 | 127,465,000 | 124,951,000 | 121,279,000 |