Call reports 2001
BAY AREA BANK — 2001
What BAY AREA BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 237,481,000 | 304,426,000 | 369,712,000 | 366,782,000 |
| Total loans | 153,538,000 | 158,334,000 | 160,670,000 | 162,625,000 |
| Allowance for loan losses | 4,033,000 | 3,898,000 | 3,865,000 | 3,945,000 |
| Securities available for sale | 56,329,000 | 124,051,000 | 173,270,000 | 163,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,548,000 | 216,185,000 | 226,310,000 | 214,809,000 |
| Interest-bearing deposits | 175,889,000 | 202,919,000 | 211,261,000 | 197,697,000 |
| Noninterest-bearing deposits | 15,659,000 | 13,266,000 | 15,049,000 | 17,112,000 |
| Equity capital | 19,277,000 | 20,507,000 | 22,560,000 | 22,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 4,238,000 | 9,350,000 | 15,067,000 | 20,870,000 |
| Interest expense | 1,521,000 | 3,560,000 | 5,976,000 | 8,029,000 |
| Net interest income | 2,717,000 | 5,790,000 | 9,091,000 | 12,841,000 |
| Noninterest income | 488,000 | 1,054,000 | 1,607,000 | 2,121,000 |
| Noninterest expense | 1,832,000 | 3,705,000 | 5,638,000 | 7,725,000 |
| Provision for loan losses | 102,000 | -72,000 | -90,000 | -6,000 |
| Pretax income | 1,353,000 | 3,363,000 | 5,325,000 | 7,420,000 |
| Income tax | 518,000 | 1,293,000 | 2,063,000 | 2,880,000 |
| Net income | 835,000 | 2,070,000 | 3,262,000 | 4,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,935,000 | 19,845,000 | 20,697,000 | 21,581,000 |
| Total capital | 21,247,000 | 22,265,000 | 23,420,000 | 24,373,000 |
| Risk-weighted assets | 183,225,000 | 192,116,000 | 216,722,000 | 222,213,000 |