Call reports 2002
BAY BANK — 2002
What BAY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 24,579,000 | 25,201,000 | 25,162,000 | 24,118,000 |
| Total loans | 16,002,000 | 14,591,000 | 15,169,000 | 14,017,000 |
| Allowance for loan losses | 232,000 | 176,000 | 173,000 | 279,000 |
| Securities available for sale | 5,554,000 | 7,327,000 | 7,139,000 | 6,494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,005,000 | 21,337,000 | 21,239,000 | 20,116,000 |
| Interest-bearing deposits | 18,353,000 | 17,882,000 | 18,709,000 | 18,448,000 |
| Noninterest-bearing deposits | 2,652,000 | 3,455,000 | 2,530,000 | 1,668,000 |
| Equity capital | 2,649,000 | 2,978,000 | 2,991,000 | 3,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 380,000 | 736,000 | 1,130,000 | 1,510,000 |
| Interest expense | 166,000 | 305,000 | 432,000 | 551,000 |
| Net interest income | 214,000 | 431,000 | 698,000 | 959,000 |
| Noninterest income | 40,000 | 78,000 | 115,000 | 148,000 |
| Noninterest expense | 324,000 | 622,000 | 961,000 | 1,324,000 |
| Provision for loan losses | 5,000 | 8,000 | 18,000 | 123,000 |
| Pretax income | -63,000 | -102,000 | -129,000 | -334,000 |
| Income tax | -21,000 | -35,000 | -46,000 | -112,000 |
| Net income | -42,000 | -67,000 | -83,000 | -222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,666,000 | 2,942,000 | 2,373,000 | 2,590,000 |
| Total capital | 2,854,000 | 3,118,000 | 2,546,000 | 2,773,000 |
| Risk-weighted assets | 14,697,000 | 13,929,000 | 14,990,000 | 14,570,000 |