Call reports 2011
BAYBANK — 2011
What BAYBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 82,138,000 | 81,557,000 | 81,219,000 | 81,369,000 |
| Total loans | 47,149,000 | 46,660,000 | 46,988,000 | 46,857,000 |
| Allowance for loan losses | 595,000 | 640,000 | 666,000 | 679,000 |
| Securities available for sale | 25,422,000 | 26,751,000 | 24,975,000 | 25,602,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,259,000 | 68,734,000 | 68,324,000 | 68,886,000 |
| Interest-bearing deposits | 61,337,000 | 61,075,000 | 61,683,000 | 62,243,000 |
| Noninterest-bearing deposits | 7,922,000 | 7,659,000 | 6,641,000 | 6,643,000 |
| Equity capital | 8,883,000 | 9,118,000 | 9,304,000 | 9,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 962,000 | 1,935,000 | 2,911,000 | 3,880,000 |
| Interest expense | 216,000 | 423,000 | 624,000 | 813,000 |
| Net interest income | 746,000 | 1,512,000 | 2,287,000 | 3,067,000 |
| Noninterest income | 102,000 | 188,000 | 333,000 | 480,000 |
| Noninterest expense | 657,000 | 1,292,000 | 1,932,000 | 2,587,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 146,000 | 318,000 | 573,000 | 800,000 |
| Income tax | 30,000 | 63,000 | 119,000 | 176,000 |
| Net income | 116,000 | 255,000 | 454,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,552,000 | 8,593,000 | 8,604,000 | 8,559,000 |
| Total capital | 9,147,000 | 9,233,000 | 9,270,000 | 9,238,000 |
| Risk-weighted assets | 55,954,000 | 55,378,000 | 55,531,000 | 55,597,000 |