Call reports 2002
BAY BANK — 2002
What BAY 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 | 66,315,000 | 69,694,000 | 66,136,000 | 68,746,000 |
| Total loans | 48,961,000 | 51,276,000 | 51,571,000 | 52,712,000 |
| Allowance for loan losses | 712,000 | 719,000 | 722,000 | 718,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,383,000 | 12,178,000 | 7,672,000 | 8,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,401,000 | 59,363,000 | 55,533,000 | 57,815,000 |
| Interest-bearing deposits | 49,724,000 | 53,956,000 | 48,637,000 | 50,651,000 |
| Noninterest-bearing deposits | 4,677,000 | 5,407,000 | 6,896,000 | 7,164,000 |
| Equity capital | 6,301,000 | 6,534,000 | 6,791,000 | 7,000,000 |
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 | 1,096,000 | 2,229,000 | 3,387,000 | 4,509,000 |
| Interest expense | 518,000 | 1,016,000 | 1,499,000 | 1,989,000 |
| Net interest income | 578,000 | 1,213,000 | 1,888,000 | 2,520,000 |
| Noninterest income | 190,000 | 421,000 | 658,000 | 936,000 |
| Noninterest expense | 428,000 | 895,000 | 1,358,000 | 1,849,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 215,000 |
| Pretax income | 295,000 | 649,000 | 1,053,000 | 1,392,000 |
| Income tax | 100,000 | 221,000 | 368,000 | 498,000 |
| Net income | 195,000 | 428,000 | 685,000 | 894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,301,000 | 6,534,000 | 6,791,000 | 7,000,000 |
| Total capital | 6,956,000 | 7,205,000 | 7,403,000 | 7,630,000 |
| Risk-weighted assets | 52,347,000 | 53,596,000 | 48,877,000 | 50,331,000 |