Call reports 2010
BAYBANK — 2010
What BAYBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 77,076,000 | 76,214,000 | 78,468,000 | 80,635,000 |
| Total loans | 45,717,000 | 45,857,000 | 46,226,000 | 45,803,000 |
| Allowance for loan losses | 477,000 | 528,000 | 532,000 | 562,000 |
| Securities available for sale | 21,762,000 | 21,879,000 | 22,884,000 | 22,002,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,513,000 | 63,550,000 | 65,527,000 | 66,872,000 |
| Interest-bearing deposits | 58,536,000 | 56,872,000 | 58,883,000 | 60,892,000 |
| Noninterest-bearing deposits | 5,977,000 | 6,677,000 | 6,644,000 | 5,980,000 |
| Equity capital | 8,606,000 | 8,693,000 | 8,980,000 | 8,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,009,000 | 2,011,000 | 3,023,000 | 4,027,000 |
| Interest expense | 264,000 | 516,000 | 759,000 | 989,000 |
| Net interest income | 745,000 | 1,495,000 | 2,264,000 | 3,038,000 |
| Noninterest income | 118,000 | 246,000 | 379,000 | 555,000 |
| Noninterest expense | 687,000 | 1,328,000 | 2,009,000 | 2,707,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 131,000 | 328,000 | 504,000 | 751,000 |
| Income tax | -7,000 | 20,000 | 93,000 | 150,000 |
| Net income | 138,000 | 308,000 | 411,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,330,000 | 8,293,000 | 8,415,000 | 8,456,000 |
| Total capital | 8,807,000 | 8,821,000 | 8,947,000 | 9,018,000 |
| Risk-weighted assets | 51,792,000 | 52,306,000 | 53,494,000 | 52,905,000 |