Call reports 2006
BAY BANK — 2006
What BAY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,529,000 | 56,210,000 | 57,990,000 | 62,330,000 |
| Total loans | 39,277,000 | 41,028,000 | 39,828,000 | 44,243,000 |
| Allowance for loan losses | 468,000 | 529,000 | 549,000 | 523,000 |
| Securities available for sale | 9,598,000 | 9,685,000 | 11,518,000 | 11,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,223,000 | 45,044,000 | 43,993,000 | 47,483,000 |
| Interest-bearing deposits | 38,857,000 | 38,524,000 | 37,796,000 | 40,485,000 |
| Noninterest-bearing deposits | 6,366,000 | 6,520,000 | 6,196,000 | 6,999,000 |
| Equity capital | 4,080,000 | 4,190,000 | 7,409,000 | 7,613,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,078,000 | 2,243,000 | 3,460,000 | 4,686,000 |
| Interest expense | 315,000 | 658,000 | 1,062,000 | 1,494,000 |
| Net interest income | 763,000 | 1,585,000 | 2,398,000 | 3,192,000 |
| Noninterest income | 79,000 | 175,000 | 274,000 | 402,000 |
| Noninterest expense | 615,000 | 1,232,000 | 1,908,000 | 2,612,000 |
| Provision for loan losses | 111,000 | 157,000 | 173,000 | 173,000 |
| Pretax income | 116,000 | 371,000 | 591,000 | 809,000 |
| Income tax | 39,000 | 126,000 | 199,000 | 276,000 |
| Net income | 77,000 | 245,000 | 392,000 | 533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,695,000 | 3,952,000 | 7,073,000 | 7,323,000 |
| Total capital | 4,162,000 | 4,437,000 | 7,540,000 | 7,833,000 |
| Risk-weighted assets | 36,608,000 | 38,032,000 | 37,265,000 | 40,777,000 |