Call reports 2009
BAY BANK — 2009
What BAY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 88,930,000 | 94,528,000 | 99,977,000 | 89,441,000 |
| Total loans | 58,726,000 | 57,673,000 | 59,106,000 | 53,442,000 |
| Allowance for loan losses | 972,000 | 802,000 | 1,218,000 | 1,158,000 |
| Securities available for sale | 13,800,000 | 22,516,000 | 22,788,000 | 22,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,334,000 | 67,592,000 | 72,499,000 | 63,527,000 |
| Interest-bearing deposits | 62,215,000 | 60,158,000 | 65,710,000 | 57,063,000 |
| Noninterest-bearing deposits | 7,119,000 | 7,433,000 | 6,789,000 | 6,464,000 |
| Equity capital | 8,234,000 | 8,690,000 | 8,055,000 | 7,604,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,030,000 | 2,073,000 | 3,181,000 | 4,463,000 |
| Interest expense | 516,000 | 986,000 | 1,434,000 | 1,850,000 |
| Net interest income | 514,000 | 1,087,000 | 1,747,000 | 2,613,000 |
| Noninterest income | 109,000 | 234,000 | 358,000 | 1,515,000 |
| Noninterest expense | 799,000 | 1,756,000 | 2,704,000 | 3,675,000 |
| Provision for loan losses | 230,000 | 541,000 | 1,457,000 | 3,475,000 |
| Pretax income | -406,000 | -976,000 | -2,056,000 | -3,022,000 |
| Income tax | -137,000 | -334,000 | -635,000 | -952,000 |
| Net income | -269,000 | -642,000 | -1,421,000 | -2,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,880,000 | 8,239,000 | 7,159,000 | 6,290,000 |
| Total capital | 8,619,000 | 8,989,000 | 8,008,000 | 7,060,000 |
| Risk-weighted assets | 58,896,000 | 59,984,000 | 67,558,000 | 61,221,000 |