Call reports 2012
BAY BANK — 2012
What BAY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 89,117,000 | 90,259,000 | 83,100,000 | 81,637,000 |
| Total loans | 46,583,000 | 45,126,000 | 44,664,000 | 45,917,000 |
| Allowance for loan losses | 1,101,000 | 1,174,000 | 1,240,000 | 1,327,000 |
| Securities available for sale | 27,408,000 | 28,424,000 | 25,457,000 | 23,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,657,000 | 68,025,000 | 61,121,000 | 59,087,000 |
| Interest-bearing deposits | 54,993,000 | 56,242,000 | 50,353,000 | 46,999,000 |
| Noninterest-bearing deposits | 11,664,000 | 11,783,000 | 10,769,000 | 12,088,000 |
| Equity capital | 6,143,000 | 6,163,000 | 6,368,000 | 6,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 902,000 | 1,812,000 | 2,739,000 | 3,591,000 |
| Interest expense | 237,000 | 454,000 | 620,000 | 774,000 |
| Net interest income | 665,000 | 1,358,000 | 2,119,000 | 2,817,000 |
| Noninterest income | 85,000 | 214,000 | 326,000 | 437,000 |
| Noninterest expense | 774,000 | 1,574,000 | 2,411,000 | 3,289,000 |
| Provision for loan losses | 0 | 236,000 | 236,000 | 236,000 |
| Pretax income | -24,000 | -2,000 | 34,000 | 67,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -24,000 | -2,000 | 34,000 | 67,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,207,000 | 4,229,000 | 4,265,000 | 4,298,000 |
| Total capital | 4,901,000 | 4,954,000 | 4,966,000 | 4,998,000 |
| Risk-weighted assets | 55,131,000 | 57,584,000 | 55,568,000 | 55,403,000 |