Call reports 2009
BAYBANK — 2009
What BAYBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,471,000 | 74,488,000 | 73,782,000 | 74,125,000 |
| Total loans | 49,036,000 | 47,156,000 | 46,774,000 | 45,600,000 |
| Allowance for loan losses | 494,000 | 485,000 | 468,000 | 492,000 |
| Securities available for sale | 16,304,000 | 18,848,000 | 19,496,000 | 21,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,172,000 | 60,820,000 | 59,680,000 | 61,407,000 |
| Interest-bearing deposits | 54,196,000 | 54,798,000 | 54,633,000 | 56,559,000 |
| Noninterest-bearing deposits | 6,977,000 | 6,022,000 | 5,047,000 | 4,848,000 |
| Equity capital | 8,227,000 | 8,184,000 | 8,675,000 | 8,675,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,153,000 | 2,237,000 | 3,300,000 | 4,320,000 |
| Interest expense | 370,000 | 701,000 | 1,025,000 | 1,327,000 |
| Net interest income | 783,000 | 1,536,000 | 2,275,000 | 2,993,000 |
| Noninterest income | 207,000 | 416,000 | 627,000 | 778,000 |
| Noninterest expense | 684,000 | 1,414,000 | 2,104,000 | 2,769,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 277,000 | 464,000 | 688,000 | 737,000 |
| Income tax | 65,000 | 94,000 | 127,000 | 120,000 |
| Net income | 212,000 | 370,000 | 561,000 | 617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,181,000 | 8,285,000 | 8,424,000 | 8,323,000 |
| Total capital | 8,675,000 | 8,770,000 | 8,892,000 | 8,815,000 |
| Risk-weighted assets | 52,325,000 | 52,061,000 | 51,530,000 | 50,557,000 |