Call reports 2004
BAYBANK — 2004
What BAYBANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 65,292,000 | 67,569,000 | 68,679,000 | 69,570,000 |
| Total loans | 49,006,000 | 51,240,000 | 51,343,000 | 50,617,000 |
| Allowance for loan losses | 483,000 | 497,000 | 514,000 | 496,000 |
| Securities available for sale | 8,378,000 | 8,207,000 | 8,298,000 | 9,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,973,000 | 54,756,000 | 56,327,000 | 57,032,000 |
| Interest-bearing deposits | 46,820,000 | 47,962,000 | 49,598,000 | 51,234,000 |
| Noninterest-bearing deposits | 6,153,000 | 6,794,000 | 6,729,000 | 5,798,000 |
| Equity capital | 6,335,000 | 6,325,000 | 6,575,000 | 6,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 977,000 | 2,006,000 | 3,054,000 | 4,107,000 |
| Interest expense | 290,000 | 578,000 | 879,000 | 1,181,000 |
| Net interest income | 687,000 | 1,428,000 | 2,175,000 | 2,926,000 |
| Noninterest income | 96,000 | 211,000 | 309,000 | 419,000 |
| Noninterest expense | 553,000 | 1,099,000 | 1,664,000 | 2,224,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 215,000 | 510,000 | 775,000 | 1,061,000 |
| Income tax | 53,000 | 132,000 | 205,000 | 286,000 |
| Net income | 162,000 | 378,000 | 570,000 | 775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,106,000 | 6,280,000 | 6,433,000 | 6,522,000 |
| Total capital | 6,589,000 | 6,777,000 | 6,947,000 | 7,018,000 |
| Risk-weighted assets | 48,578,000 | 50,562,000 | 51,152,000 | 50,767,000 |