Call reports 2001
BAY BANK — 2001
What BAY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 20,823,000 | 22,567,000 | 26,615,000 | 25,330,000 |
| Total loans | 11,772,000 | 14,466,000 | 16,843,000 | 15,753,000 |
| Allowance for loan losses | 107,000 | 147,000 | 193,000 | 231,000 |
| Securities available for sale | 5,386,000 | 5,565,000 | 5,162,000 | 4,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,193,000 | 16,399,000 | 20,889,000 | 20,107,000 |
| Interest-bearing deposits | 12,156,000 | 13,735,000 | 18,598,000 | 17,890,000 |
| Noninterest-bearing deposits | 2,037,000 | 2,664,000 | 2,291,000 | 2,217,000 |
| Equity capital | 3,100,000 | 2,983,000 | 2,869,000 | 2,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 360,000 | 754,000 | 1,191,000 | 1,621,000 |
| Interest expense | 204,000 | 415,000 | 649,000 | 861,000 |
| Net interest income | 156,000 | 339,000 | 542,000 | 760,000 |
| Noninterest income | 22,000 | 48,000 | 85,000 | 117,000 |
| Noninterest expense | 316,000 | 656,000 | 1,007,000 | 1,285,000 |
| Provision for loan losses | 37,000 | 83,000 | 129,000 | 175,000 |
| Pretax income | -175,000 | -340,000 | -502,000 | -576,000 |
| Income tax | -60,000 | -116,000 | -127,000 | -117,000 |
| Net income | -115,000 | -224,000 | -375,000 | -459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,570,000 | 2,425,000 | 2,282,000 | 2,187,000 |
| Total capital | 2,677,000 | 2,572,000 | 2,469,000 | 2,369,000 |
| Risk-weighted assets | 10,849,000 | 13,141,000 | 15,473,000 | 14,442,000 |