Call reports 2001
BAYBANK — 2001
What BAYBANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 54,166,000 | 54,851,000 | 55,527,000 | 56,350,000 |
| Total loans | 39,576,000 | 40,937,000 | 39,979,000 | 39,208,000 |
| Allowance for loan losses | 308,000 | 317,000 | 326,000 | 340,000 |
| Securities available for sale | 7,542,000 | 5,505,000 | 8,504,000 | 8,789,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,294,000 | 46,273,000 | 46,760,000 | 46,942,000 |
| Interest-bearing deposits | 41,628,000 | 42,646,000 | 42,520,000 | 43,014,000 |
| Noninterest-bearing deposits | 3,666,000 | 3,627,000 | 4,240,000 | 3,928,000 |
| Equity capital | 4,733,000 | 4,856,000 | 5,013,000 | 5,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,037,000 | 2,124,000 | 3,145,000 | 4,157,000 |
| Interest expense | 497,000 | 997,000 | 1,458,000 | 1,870,000 |
| Net interest income | 540,000 | 1,127,000 | 1,687,000 | 2,287,000 |
| Noninterest income | 70,000 | 163,000 | 274,000 | 403,000 |
| Noninterest expense | 457,000 | 910,000 | 1,364,000 | 1,850,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 140,000 | 353,000 | 555,000 | 782,000 |
| Income tax | 33,000 | 88,000 | 143,000 | 195,000 |
| Net income | 107,000 | 265,000 | 412,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,621,000 | 4,750,000 | 4,868,000 | 4,952,000 |
| Total capital | 4,929,000 | 5,067,000 | 5,194,000 | 5,292,000 |
| Risk-weighted assets | 38,222,000 | 40,020,000 | 39,767,000 | 39,523,000 |