Call reports 2009
BAY NATIONAL BANK — 2009
What BAY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 297,442,000 | 316,634,000 | 297,388,000 | 290,313,000 |
| Total loans | 247,854,000 | 223,613,000 | 203,253,000 | 194,544,000 |
| Allowance for loan losses | 6,218,000 | 6,732,000 | 6,203,000 | 9,760,000 |
| Securities available for sale | 438,000 | 21,442,000 | 20,914,000 | 21,129,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,425,000 | 291,263,000 | 277,699,000 | 281,672,000 |
| Interest-bearing deposits | 223,082,000 | 236,311,000 | 224,587,000 | 228,470,000 |
| Noninterest-bearing deposits | 51,343,000 | 54,952,000 | 53,112,000 | 53,202,000 |
| Equity capital | 22,114,000 | 20,205,000 | 19,093,000 | 7,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,188,000 | 6,244,000 | 9,291,000 | 12,043,000 |
| Interest expense | 1,531,000 | 3,002,000 | 4,457,000 | 5,644,000 |
| Net interest income | 1,657,000 | 3,242,000 | 4,834,000 | 6,399,000 |
| Noninterest income | 182,000 | 442,000 | 679,000 | 867,000 |
| Noninterest expense | 2,116,000 | 4,360,000 | 6,632,000 | 10,165,000 |
| Provision for loan losses | 1,050,000 | 3,894,000 | 5,694,000 | 10,695,000 |
| Pretax income | -1,327,000 | -4,570,000 | -6,813,000 | -13,594,000 |
| Income tax | -584,000 | -1,938,000 | -2,895,000 | 1,857,000 |
| Net income | -743,000 | -2,632,000 | -3,918,000 | -15,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,274,000 | 17,187,000 | 15,031,000 | 7,406,000 |
| Total capital | 22,709,000 | 20,365,000 | 17,781,000 | 10,064,000 |
| Risk-weighted assets | 271,994,000 | 250,656,000 | 216,515,000 | 205,254,000 |