Call reports 2013
BAY BANK — 2013
What BAY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 82,123,000 | 81,900,000 | 80,337,000 | 78,679,000 |
| Total loans | 47,941,000 | 48,404,000 | 47,606,000 | 45,716,000 |
| Allowance for loan losses | 1,140,000 | 1,045,000 | 1,048,000 | 997,000 |
| Securities available for sale | 22,136,000 | 20,363,000 | 19,723,000 | 18,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,699,000 | 62,558,000 | 58,825,000 | 57,531,000 |
| Interest-bearing deposits | 47,343,000 | 49,456,000 | 47,399,000 | 46,208,000 |
| Noninterest-bearing deposits | 12,356,000 | 13,103,000 | 11,426,000 | 11,323,000 |
| Equity capital | 6,217,000 | 5,651,000 | 5,723,000 | 5,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,655,000 | 2,477,000 | 3,265,000 |
| Interest expense | 144,000 | 281,000 | 409,000 | 533,000 |
| Net interest income | 678,000 | 1,374,000 | 2,068,000 | 2,732,000 |
| Noninterest income | 115,000 | 215,000 | 317,000 | 446,000 |
| Noninterest expense | 820,000 | 1,621,000 | 2,401,000 | 3,171,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -9,000 | 8,000 | 24,000 | 47,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -9,000 | 8,000 | 24,000 | 47,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,290,000 | 4,306,000 | 4,323,000 | 4,346,000 |
| Total capital | 4,999,000 | 5,025,000 | 5,027,000 | 5,025,000 |
| Risk-weighted assets | 56,242,000 | 57,157,000 | 56,036,000 | 53,989,000 |