Call reports 2005
BAY BANK — 2005
What BAY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 38,202,000 | 43,604,000 | 45,452,000 | 52,758,000 |
| Total loans | 23,092,000 | 29,477,000 | 32,122,000 | 35,548,000 |
| Allowance for loan losses | 243,000 | 295,000 | 336,000 | 380,000 |
| Securities available for sale | 8,854,000 | 9,414,000 | 8,966,000 | 9,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,013,000 | 35,910,000 | 37,560,000 | 43,120,000 |
| Interest-bearing deposits | 27,945,000 | 31,255,000 | 32,349,000 | 37,569,000 |
| Noninterest-bearing deposits | 5,068,000 | 4,654,000 | 5,212,000 | 5,551,000 |
| Equity capital | 3,239,000 | 3,521,000 | 3,596,000 | 3,893,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 545,000 | 1,244,000 | 2,022,000 | 2,964,000 |
| Interest expense | 122,000 | 266,000 | 462,000 | 710,000 |
| Net interest income | 423,000 | 978,000 | 1,560,000 | 2,254,000 |
| Noninterest income | 66,000 | 137,000 | 232,000 | 298,000 |
| Noninterest expense | 454,000 | 955,000 | 1,505,000 | 2,083,000 |
| Provision for loan losses | 1,000 | 54,000 | 82,000 | 118,000 |
| Pretax income | 34,000 | 106,000 | 205,000 | 351,000 |
| Income tax | 11,000 | 36,000 | 55,000 | 119,000 |
| Net income | 23,000 | 70,000 | 150,000 | 232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,564,000 | 2,854,000 | 3,000,000 | 3,446,000 |
| Total capital | 2,807,000 | 3,149,000 | 3,336,000 | 3,826,000 |
| Risk-weighted assets | 23,704,000 | 26,999,000 | 29,374,000 | 33,061,000 |