Call reports 2004
BAY BANK — 2004
What BAY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 28,795,000 | 32,044,000 | 33,775,000 | 36,777,000 |
| Total loans | 19,587,000 | 21,271,000 | 20,740,000 | 21,244,000 |
| Allowance for loan losses | 244,000 | 222,000 | 250,000 | 242,000 |
| Securities available for sale | 5,274,000 | 5,337,000 | 7,334,000 | 9,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,157,000 | 25,957,000 | 28,195,000 | 31,234,000 |
| Interest-bearing deposits | 20,376,000 | 22,351,000 | 25,069,000 | 27,792,000 |
| Noninterest-bearing deposits | 3,781,000 | 3,606,000 | 3,125,000 | 3,442,000 |
| Equity capital | 3,168,000 | 3,164,000 | 3,264,000 | 3,312,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 400,000 | 877,000 | 1,306,000 | 1,811,000 |
| Interest expense | 77,000 | 160,000 | 269,000 | 386,000 |
| Net interest income | 323,000 | 717,000 | 1,037,000 | 1,425,000 |
| Noninterest income | 56,000 | 116,000 | 191,000 | 251,000 |
| Noninterest expense | 358,000 | 751,000 | 1,172,000 | 1,644,000 |
| Provision for loan losses | 9,000 | 26,000 | 27,000 | -79,000 |
| Pretax income | 12,000 | 56,000 | 29,000 | 111,000 |
| Income tax | 7,000 | 19,000 | 10,000 | 39,000 |
| Net income | 5,000 | 37,000 | 19,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,396,000 | 2,531,000 | 2,512,000 | 2,594,000 |
| Total capital | 2,633,000 | 2,753,000 | 2,762,000 | 2,836,000 |
| Risk-weighted assets | 18,954,000 | 22,200,000 | 22,352,000 | 23,407,000 |