Call reports 2006
BAY NATIONAL BANK — 2006
What BAY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 216,577,000 | 230,228,000 | 236,551,000 | 254,696,000 |
| Total loans | 203,425,000 | 218,391,000 | 216,353,000 | 218,016,000 |
| Allowance for loan losses | 3,000,000 | 3,000,000 | 3,090,000 | 3,175,000 |
| Securities available for sale | 568,000 | 28,000 | 2,195,000 | 2,229,000 |
| Securities held to maturity | 1,935,000 | 698,000 | 699,000 | 698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,004,000 | 203,470,000 | 211,001,000 | 228,174,000 |
| Interest-bearing deposits | 162,189,000 | 168,557,000 | 175,582,000 | 149,408,000 |
| Noninterest-bearing deposits | 32,815,000 | 34,913,000 | 35,419,000 | 78,766,000 |
| Equity capital | 19,539,000 | 21,251,000 | 22,079,000 | 22,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,307,000 | 9,173,000 | 14,383,000 | 19,781,000 |
| Interest expense | 1,453,000 | 3,193,000 | 5,144,000 | 7,219,000 |
| Net interest income | 2,854,000 | 5,980,000 | 9,239,000 | 12,562,000 |
| Noninterest income | 140,000 | 395,000 | 601,000 | 779,000 |
| Noninterest expense | 1,827,000 | 3,901,000 | 5,967,000 | 8,264,000 |
| Provision for loan losses | 0 | 0 | 128,000 | 203,000 |
| Pretax income | 1,167,000 | 2,474,000 | 3,745,000 | 4,874,000 |
| Income tax | 397,000 | 842,000 | 1,285,000 | 1,678,000 |
| Net income | 770,000 | 1,632,000 | 2,460,000 | 3,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,539,000 | 21,251,000 | 22,079,000 | 22,815,000 |
| Total capital | 22,325,000 | 24,243,000 | 25,113,000 | 25,952,000 |
| Risk-weighted assets | 222,678,000 | 239,327,000 | 242,676,000 | 250,930,000 |