Call reports 2007
BAYBANK — 2007
What BAYBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,663,000 | 76,260,000 | 77,626,000 | 76,111,000 |
| Total loans | 52,530,000 | 51,001,000 | 50,071,000 | 50,818,000 |
| Allowance for loan losses | 494,000 | 510,000 | 510,000 | 502,000 |
| Securities available for sale | 11,914,000 | 14,313,000 | 15,521,000 | 16,330,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,441,000 | 62,140,000 | 63,854,000 | 62,337,000 |
| Interest-bearing deposits | 59,041,000 | 56,576,000 | 57,685,000 | 57,197,000 |
| Noninterest-bearing deposits | 5,400,000 | 5,564,000 | 6,168,000 | 5,140,000 |
| Equity capital | 7,702,000 | 7,729,000 | 7,953,000 | 8,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,554,000 | 3,861,000 | 5,145,000 |
| Interest expense | 490,000 | 1,011,000 | 1,542,000 | 2,062,000 |
| Net interest income | 760,000 | 1,543,000 | 2,319,000 | 3,083,000 |
| Noninterest income | 71,000 | 175,000 | 283,000 | 394,000 |
| Noninterest expense | 576,000 | 1,195,000 | 1,826,000 | 2,445,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 210,000 | 433,000 | 642,000 | 854,000 |
| Income tax | 37,000 | 83,000 | 124,000 | 160,000 |
| Net income | 173,000 | 350,000 | 518,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,709,000 | 7,838,000 | 7,951,000 | 7,975,000 |
| Total capital | 8,203,000 | 8,348,000 | 8,461,000 | 8,477,000 |
| Risk-weighted assets | 61,313,000 | 56,763,000 | 57,682,000 | 55,503,000 |