Call reports 2008
BAYBANK — 2008
What BAYBANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,241,000 | 79,669,000 | 76,527,000 | 74,538,000 |
| Total loans | 50,164,000 | 49,269,000 | 49,250,000 | 48,389,000 |
| Allowance for loan losses | 538,000 | 524,000 | 534,000 | 486,000 |
| Securities available for sale | 20,911,000 | 20,185,000 | 19,444,000 | 17,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,749,000 | 64,553,000 | 61,599,000 | 59,891,000 |
| Interest-bearing deposits | 59,415,000 | 58,345,000 | 54,595,000 | 54,015,000 |
| Noninterest-bearing deposits | 6,334,000 | 6,208,000 | 7,004,000 | 5,876,000 |
| Equity capital | 8,280,000 | 8,133,000 | 8,110,000 | 7,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,283,000 | 2,514,000 | 3,716,000 | 4,861,000 |
| Interest expense | 514,000 | 999,000 | 1,426,000 | 1,816,000 |
| Net interest income | 769,000 | 1,515,000 | 2,290,000 | 3,045,000 |
| Noninterest income | 91,000 | 201,000 | 302,000 | 407,000 |
| Noninterest expense | 611,000 | 1,169,000 | 1,762,000 | 2,365,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 280,000 |
| Pretax income | 204,000 | 457,000 | 395,000 | 370,000 |
| Income tax | 53,000 | 97,000 | 41,000 | 11,000 |
| Net income | 151,000 | 360,000 | 354,000 | 359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,067,000 | 8,225,000 | 8,165,000 | 8,021,000 |
| Total capital | 8,605,000 | 8,749,000 | 8,699,000 | 8,507,000 |
| Risk-weighted assets | 57,891,000 | 56,992,000 | 53,983,000 | 53,514,000 |