Call reports 2005
BAY NATIONAL BANK — 2005
What BAY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 171,410,000 | 187,257,000 | 202,663,000 | 209,893,000 |
| Total loans | 149,898,000 | 174,285,000 | 186,753,000 | 199,590,000 |
| Allowance for loan losses | 1,842,000 | 2,053,000 | 2,350,000 | 3,000,000 |
| Securities available for sale | 781,000 | 896,000 | 916,000 | 938,000 |
| Securities held to maturity | 1,543,000 | 1,542,000 | 1,541,000 | 1,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,533,000 | 168,967,000 | 180,597,000 | 187,797,000 |
| Interest-bearing deposits | 130,747,000 | 144,883,000 | 155,460,000 | 155,105,000 |
| Noninterest-bearing deposits | 23,786,000 | 24,084,000 | 25,137,000 | 32,692,000 |
| Equity capital | 14,879,000 | 15,865,000 | 17,241,000 | 18,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,541,000 | 5,388,000 | 8,986,000 | 12,981,000 |
| Interest expense | 799,000 | 1,710,000 | 2,865,000 | 4,174,000 |
| Net interest income | 1,742,000 | 3,678,000 | 6,121,000 | 8,807,000 |
| Noninterest income | 102,000 | 263,000 | 540,000 | 751,000 |
| Noninterest expense | 1,366,000 | 2,803,000 | 4,450,000 | 6,171,000 |
| Provision for loan losses | 32,000 | 236,000 | 533,000 | 1,179,000 |
| Pretax income | 446,000 | 902,000 | 1,678,000 | 2,208,000 |
| Income tax | 0 | 0 | 0 | -398,000 |
| Net income | 446,000 | 902,000 | 1,678,000 | 2,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,879,000 | 15,865,000 | 17,241,000 | 18,669,000 |
| Total capital | 16,721,000 | 17,918,000 | 19,591,000 | 21,279,000 |
| Risk-weighted assets | 158,362,000 | 178,154,000 | 195,091,000 | 208,433,000 |