Call reports 2006
BAYBANK — 2006
What BAYBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 72,674,000 | 72,046,000 | 73,912,000 | 73,154,000 |
| Total loans | 52,389,000 | 53,709,000 | 54,385,000 | 53,503,000 |
| Allowance for loan losses | 402,000 | 455,000 | 478,000 | 454,000 |
| Securities available for sale | 10,788,000 | 11,431,000 | 12,416,000 | 11,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,894,000 | 56,354,000 | 58,763,000 | 57,833,000 |
| Interest-bearing deposits | 52,139,000 | 49,804,000 | 52,815,000 | 52,836,000 |
| Noninterest-bearing deposits | 6,755,000 | 6,550,000 | 5,948,000 | 4,997,000 |
| Equity capital | 7,248,000 | 7,343,000 | 7,563,000 | 7,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,157,000 | 2,356,000 | 3,613,000 | 4,861,000 |
| Interest expense | 378,000 | 770,000 | 1,227,000 | 1,698,000 |
| Net interest income | 779,000 | 1,586,000 | 2,386,000 | 3,163,000 |
| Noninterest income | 99,000 | 222,000 | 294,000 | 400,000 |
| Noninterest expense | 609,000 | 1,231,000 | 1,832,000 | 2,438,000 |
| Provision for loan losses | 35,000 | 80,000 | 125,000 | 180,000 |
| Pretax income | 234,000 | 497,000 | 723,000 | 945,000 |
| Income tax | 53,000 | 116,000 | 161,000 | 237,000 |
| Net income | 181,000 | 381,000 | 562,000 | 708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,193,000 | 7,450,000 | 7,582,000 | 7,585,000 |
| Total capital | 7,595,000 | 7,905,000 | 8,060,000 | 8,039,000 |
| Risk-weighted assets | 56,624,000 | 55,270,000 | 56,316,000 | 56,254,000 |