Call reports 2001
BAY BANK — 2001
What BAY 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 | 57,620,000 | 60,607,000 | 63,328,000 | 66,593,000 |
| Total loans | 43,032,000 | 45,295,000 | 44,787,000 | 47,900,000 |
| Allowance for loan losses | 683,000 | 728,000 | 707,000 | 708,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,035,000 | 12,372,000 | 12,392,000 | 12,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,270,000 | 50,784,000 | 53,527,000 | 56,578,000 |
| Interest-bearing deposits | 42,653,000 | 45,891,000 | 48,066,000 | 51,358,000 |
| Noninterest-bearing deposits | 4,617,000 | 4,892,000 | 5,461,000 | 5,220,000 |
| Equity capital | 5,520,000 | 5,695,000 | 5,878,000 | 6,106,000 |
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 | 1,216,000 | 2,369,000 | 3,540,000 | 4,710,000 |
| Interest expense | 741,000 | 1,413,000 | 2,068,000 | 2,652,000 |
| Net interest income | 475,000 | 956,000 | 1,472,000 | 2,058,000 |
| Noninterest income | 189,000 | 391,000 | 591,000 | 796,000 |
| Noninterest expense | 387,000 | 759,000 | 1,149,000 | 1,557,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 232,000 | 498,000 | 779,000 | 1,117,000 |
| Income tax | 82,000 | 173,000 | 271,000 | 381,000 |
| Net income | 150,000 | 325,000 | 508,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,520,000 | 5,695,000 | 5,878,000 | 6,106,000 |
| Total capital | 6,096,000 | 6,305,000 | 6,494,000 | 6,760,000 |
| Risk-weighted assets | 46,523,000 | 48,604,000 | 49,192,000 | 52,298,000 |