Call reports 2003
BAYBANK — 2003
What BAYBANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,890,000 | 62,563,000 | 63,029,000 | 64,103,000 |
| Total loans | 43,774,000 | 45,668,000 | 47,485,000 | 47,954,000 |
| Allowance for loan losses | 396,000 | 418,000 | 444,000 | 479,000 |
| Securities available for sale | 8,486,000 | 8,420,000 | 8,671,000 | 8,715,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,430,000 | 53,268,000 | 51,448,000 | 51,679,000 |
| Interest-bearing deposits | 47,200,000 | 47,283,000 | 46,633,000 | 46,284,000 |
| Noninterest-bearing deposits | 4,230,000 | 5,985,000 | 4,815,000 | 5,395,000 |
| Equity capital | 5,791,000 | 6,020,000 | 6,088,000 | 6,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 2,030,000 | 3,044,000 | 4,042,000 |
| Interest expense | 323,000 | 630,000 | 940,000 | 1,247,000 |
| Net interest income | 677,000 | 1,400,000 | 2,104,000 | 2,795,000 |
| Noninterest income | 128,000 | 316,000 | 496,000 | 616,000 |
| Noninterest expense | 517,000 | 1,100,000 | 1,657,000 | 2,187,000 |
| Provision for loan losses | 23,000 | 45,000 | 98,000 | 135,000 |
| Pretax income | 265,000 | 571,000 | 845,000 | 1,091,000 |
| Income tax | 73,000 | 164,000 | 231,000 | 296,000 |
| Net income | 192,000 | 407,000 | 614,000 | 795,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,568,000 | 5,745,000 | 5,913,000 | 5,983,000 |
| Total capital | 5,964,000 | 6,163,000 | 6,357,000 | 6,462,000 |
| Risk-weighted assets | 44,100,000 | 46,208,000 | 47,245,000 | 47,763,000 |