Call reports 2002
BAYBANK — 2002
What BAYBANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 56,926,000 | 59,873,000 | 59,489,000 | 59,904,000 |
| Total loans | 40,534,000 | 41,802,000 | 41,930,000 | 41,891,000 |
| Allowance for loan losses | 351,000 | 366,000 | 382,000 | 385,000 |
| Securities available for sale | 9,533,000 | 9,998,000 | 8,237,000 | 9,153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,042,000 | 50,876,000 | 50,277,000 | 50,951,000 |
| Interest-bearing deposits | 44,394,000 | 46,439,000 | 45,404,000 | 46,545,000 |
| Noninterest-bearing deposits | 3,648,000 | 4,437,000 | 4,873,000 | 4,406,000 |
| Equity capital | 5,138,000 | 5,310,000 | 5,524,000 | 5,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,924,000 | 2,912,000 | 3,922,000 |
| Interest expense | 362,000 | 728,000 | 1,084,000 | 1,429,000 |
| Net interest income | 588,000 | 1,196,000 | 1,828,000 | 2,493,000 |
| Noninterest income | 69,000 | 153,000 | 263,000 | 474,000 |
| Noninterest expense | 463,000 | 940,000 | 1,457,000 | 2,000,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 171,000 | 364,000 | 566,000 | 877,000 |
| Income tax | 41,000 | 92,000 | 140,000 | 222,000 |
| Net income | 130,000 | 272,000 | 426,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,048,000 | 5,156,000 | 5,277,000 | 5,410,000 |
| Total capital | 5,399,000 | 5,522,000 | 5,659,000 | 5,795,000 |
| Risk-weighted assets | 40,515,000 | 41,963,000 | 42,111,000 | 42,796,000 |