Call reports 2012
BAYBANK — 2012
What BAYBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 82,069,000 | 81,944,000 | 83,408,000 | 83,423,000 |
| Total loans | 47,842,000 | 45,688,000 | 44,050,000 | 43,062,000 |
| Allowance for loan losses | 670,000 | 709,000 | 656,000 | 691,000 |
| Securities available for sale | 24,801,000 | 24,675,000 | 26,177,000 | 26,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,985,000 | 70,074,000 | 71,332,000 | 72,064,000 |
| Interest-bearing deposits | 63,421,000 | 62,974,000 | 64,709,000 | 65,606,000 |
| Noninterest-bearing deposits | 6,564,000 | 7,100,000 | 6,623,000 | 6,459,000 |
| Equity capital | 9,472,000 | 9,638,000 | 9,827,000 | 9,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 959,000 | 1,873,000 | 2,792,000 | 3,694,000 |
| Interest expense | 182,000 | 359,000 | 525,000 | 671,000 |
| Net interest income | 777,000 | 1,514,000 | 2,267,000 | 3,023,000 |
| Noninterest income | 134,000 | 264,000 | 389,000 | 591,000 |
| Noninterest expense | 627,000 | 1,247,000 | 1,841,000 | 2,508,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 241,000 | 467,000 | 706,000 | 952,000 |
| Income tax | 56,000 | 108,000 | 163,000 | 218,000 |
| Net income | 185,000 | 359,000 | 543,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,814,000 | 8,893,000 | 9,053,000 | 9,080,000 |
| Total capital | 9,484,000 | 9,578,000 | 9,709,000 | 9,771,000 |
| Risk-weighted assets | 56,764,000 | 54,737,000 | 54,806,000 | 54,770,000 |