Call reports 2003
BAY BANK — 2003
What BAY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 25,803,000 | 26,388,000 | 23,785,000 | 25,133,000 |
| Total loans | 14,322,000 | 14,796,000 | 15,407,000 | 17,120,000 |
| Allowance for loan losses | 289,000 | 241,000 | 223,000 | 235,000 |
| Securities available for sale | 5,821,000 | 5,877,000 | 5,077,000 | 5,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,008,000 | 22,325,000 | 19,461,000 | 20,212,000 |
| Interest-bearing deposits | 18,866,000 | 19,257,000 | 3,053,000 | 17,761,000 |
| Noninterest-bearing deposits | 3,142,000 | 3,068,000 | 16,408,000 | 2,451,000 |
| Equity capital | 3,196,000 | 3,055,000 | 2,951,000 | 2,911,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 343,000 | 678,000 | 1,014,000 | 1,378,000 |
| Interest expense | 100,000 | 198,000 | 262,000 | 324,000 |
| Net interest income | 243,000 | 480,000 | 752,000 | 1,054,000 |
| Noninterest income | 41,000 | 159,000 | 157,000 | 214,000 |
| Noninterest expense | 362,000 | 715,000 | 1,057,000 | 1,483,000 |
| Provision for loan losses | 11,000 | 196,000 | 202,000 | 216,000 |
| Pretax income | -30,000 | -272,000 | -291,000 | -373,000 |
| Income tax | -10,000 | -101,000 | -107,000 | -135,000 |
| Net income | -20,000 | -171,000 | -184,000 | -238,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,530,000 | 2,285,000 | 2,157,000 | 2,154,000 |
| Total capital | 2,719,000 | 2,485,000 | 2,346,000 | 2,371,000 |
| Risk-weighted assets | 14,990,000 | 15,945,000 | 15,162,000 | 17,399,000 |