Call reports 2011
BAY BANK — 2011
What BAY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 83,790,000 | 84,692,000 | 87,432,000 | 86,758,000 |
| Total loans | 47,273,000 | 46,974,000 | 45,171,000 | 46,397,000 |
| Allowance for loan losses | 1,373,000 | 1,229,000 | 1,140,000 | 1,096,000 |
| Securities available for sale | 25,065,000 | 24,441,000 | 27,314,000 | 30,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,678,000 | 62,307,000 | 64,382,000 | 64,730,000 |
| Interest-bearing deposits | 51,804,000 | 50,688,000 | 53,395,000 | 52,705,000 |
| Noninterest-bearing deposits | 9,875,000 | 11,620,000 | 10,987,000 | 12,025,000 |
| Equity capital | 5,728,000 | 5,768,000 | 6,327,000 | 6,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,005,000 | 2,959,000 | 3,984,000 |
| Interest expense | 277,000 | 536,000 | 775,000 | 1,016,000 |
| Net interest income | 744,000 | 1,469,000 | 2,184,000 | 2,968,000 |
| Noninterest income | 110,000 | 175,000 | 260,000 | 322,000 |
| Noninterest expense | 872,000 | 1,866,000 | 2,724,000 | 3,756,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -18,000 | 47,000 | -11,000 | 21,000 |
| Income tax | 0 | -36,000 | 0 | 0 |
| Net income | -18,000 | 83,000 | -11,000 | 21,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,841,000 | 3,906,000 | 4,201,000 | 4,232,000 |
| Total capital | 4,532,000 | 4,591,000 | 4,883,000 | 4,918,000 |
| Risk-weighted assets | 54,538,000 | 54,434,000 | 54,024,000 | 54,434,000 |