Call reports 2007
BAY BANK — 2007
What BAY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 61,935,000 | 67,331,000 | 69,080,000 | 73,753,000 |
| Total loans | 45,986,000 | 49,317,000 | 52,169,000 | 55,680,000 |
| Allowance for loan losses | 541,000 | 525,000 | 577,000 | 602,000 |
| Securities available for sale | 11,581,000 | 11,542,000 | 12,673,000 | 13,066,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,957,000 | 50,687,000 | 51,342,000 | 56,681,000 |
| Interest-bearing deposits | 42,636,000 | 44,542,000 | 45,339,000 | 51,126,000 |
| Noninterest-bearing deposits | 6,321,000 | 6,146,000 | 6,003,000 | 5,556,000 |
| Equity capital | 7,725,000 | 7,766,000 | 8,118,000 | 8,281,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,251,000 | 2,631,000 | 4,160,000 | 5,631,000 |
| Interest expense | 463,000 | 945,000 | 1,486,000 | 2,063,000 |
| Net interest income | 788,000 | 1,686,000 | 2,674,000 | 3,568,000 |
| Noninterest income | 94,000 | 198,000 | 477,000 | 582,000 |
| Noninterest expense | 743,000 | 1,469,000 | 2,330,000 | 3,186,000 |
| Provision for loan losses | 14,000 | 60,000 | 111,000 | 142,000 |
| Pretax income | 125,000 | 355,000 | 710,000 | 822,000 |
| Income tax | 42,000 | 121,000 | 238,000 | 277,000 |
| Net income | 83,000 | 234,000 | 472,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,463,000 | 7,636,000 | 8,055,000 | 8,214,000 |
| Total capital | 7,998,000 | 8,161,000 | 8,632,000 | 8,816,000 |
| Risk-weighted assets | 42,786,000 | 45,791,000 | 48,520,000 | 51,686,000 |