Call reports 2005
BAYBANK — 2005
What BAYBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 71,481,000 | 71,766,000 | 70,886,000 | 70,955,000 |
| Total loans | 51,830,000 | 52,628,000 | 53,737,000 | 52,957,000 |
| Allowance for loan losses | 505,000 | 503,000 | 505,000 | 549,000 |
| Securities available for sale | 10,943,000 | 10,984,000 | 10,802,000 | 10,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,076,000 | 60,120,000 | 59,033,000 | 57,141,000 |
| Interest-bearing deposits | 54,044,000 | 51,418,000 | 51,907,000 | 50,989,000 |
| Noninterest-bearing deposits | 6,032,000 | 8,702,000 | 7,126,000 | 6,152,000 |
| Equity capital | 6,681,000 | 6,941,000 | 7,105,000 | 7,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,199,000 | 3,383,000 | 4,553,000 |
| Interest expense | 310,000 | 609,000 | 934,000 | 1,270,000 |
| Net interest income | 766,000 | 1,590,000 | 2,449,000 | 3,283,000 |
| Noninterest income | 109,000 | 205,000 | 318,000 | 434,000 |
| Noninterest expense | 588,000 | 1,168,000 | 1,760,000 | 2,357,000 |
| Provision for loan losses | 15,000 | 30,000 | 60,000 | 120,000 |
| Pretax income | 272,000 | 597,000 | 947,000 | 1,240,000 |
| Income tax | 70,000 | 158,000 | 255,000 | 338,000 |
| Net income | 202,000 | 439,000 | 692,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,681,000 | 6,873,000 | 7,085,000 | 7,170,000 |
| Total capital | 7,186,000 | 7,376,000 | 7,590,000 | 7,719,000 |
| Risk-weighted assets | 54,788,000 | 56,005,000 | 53,917,000 | 54,666,000 |