Call reports 2010
BAY BANK — 2010
What BAY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 90,294,000 | 88,778,000 | 88,808,000 | 89,030,000 |
| Total loans | 52,000,000 | 49,378,000 | 48,087,000 | 47,516,000 |
| Allowance for loan losses | 1,091,000 | 1,254,000 | 1,407,000 | 1,289,000 |
| Securities available for sale | 22,915,000 | 22,209,000 | 22,945,000 | 26,258,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,438,000 | 64,827,000 | 64,484,000 | 66,803,000 |
| Interest-bearing deposits | 59,180,000 | 56,605,000 | 54,609,000 | 55,933,000 |
| Noninterest-bearing deposits | 6,258,000 | 8,222,000 | 9,874,000 | 10,870,000 |
| Equity capital | 7,268,000 | 6,978,000 | 6,910,000 | 5,778,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,161,000 | 3,255,000 | 4,266,000 |
| Interest expense | 356,000 | 691,000 | 1,002,000 | 1,303,000 |
| Net interest income | 711,000 | 1,470,000 | 2,253,000 | 2,963,000 |
| Noninterest income | 109,000 | 102,000 | 190,000 | -42,000 |
| Noninterest expense | 1,143,000 | 2,072,000 | 3,064,000 | 4,291,000 |
| Provision for loan losses | 82,000 | 401,000 | 714,000 | 962,000 |
| Pretax income | -405,000 | -901,000 | -1,335,000 | -2,332,000 |
| Income tax | -149,000 | -314,000 | -473,000 | -838,000 |
| Net income | -256,000 | -587,000 | -862,000 | -1,494,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,786,000 | 5,289,000 | 4,859,000 | 3,859,000 |
| Total capital | 6,542,000 | 6,039,000 | 5,582,000 | 4,576,000 |
| Risk-weighted assets | 60,128,000 | 59,346,000 | 57,027,000 | 56,754,000 |