Call reports 2002
BAY AREA BANK — 2002
What BAY AREA BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 377,677,000 | 421,832,000 | 401,587,000 | 402,645,000 |
| Total loans | 157,007,000 | 169,126,000 | 178,427,000 | 182,795,000 |
| Allowance for loan losses | 5,114,000 | 4,652,000 | 4,757,000 | 6,030,000 |
| Securities available for sale | 182,966,000 | 227,588,000 | 199,349,000 | 171,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,950,000 | 230,965,000 | 240,658,000 | 232,473,000 |
| Interest-bearing deposits | 204,253,000 | 204,359,000 | 224,328,000 | 214,367,000 |
| Noninterest-bearing deposits | 18,697,000 | 26,606,000 | 16,330,000 | 18,106,000 |
| Equity capital | 19,746,000 | 22,187,000 | 24,367,000 | 24,462,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,605,000 | 11,471,000 | 17,713,000 | 23,023,000 |
| Interest expense | 1,712,000 | 3,378,000 | 5,186,000 | 6,640,000 |
| Net interest income | 3,893,000 | 8,093,000 | 12,527,000 | 16,383,000 |
| Noninterest income | 542,000 | 1,021,000 | 1,898,000 | 2,424,000 |
| Noninterest expense | 1,838,000 | 3,651,000 | 5,364,000 | 7,134,000 |
| Provision for loan losses | 1,214,000 | 1,388,000 | 1,865,000 | 3,135,000 |
| Pretax income | 1,424,000 | 4,141,000 | 7,372,000 | 8,956,000 |
| Income tax | 538,000 | 1,583,000 | 2,796,000 | 3,415,000 |
| Net income | 886,000 | 2,558,000 | 4,576,000 | 5,541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,077,000 | 23,354,000 | 24,873,000 | 25,420,000 |
| Total capital | 24,875,000 | 26,352,000 | 27,927,000 | 28,349,000 |
| Risk-weighted assets | 221,494,000 | 238,152,000 | 242,643,000 | 231,171,000 |