Call reports 2004
BAY BANK — 2004
What BAY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 73,545,000 | 76,156,000 | 82,092,000 | 82,978,000 |
| Total loans | 57,512,000 | 62,575,000 | 62,929,000 | 67,132,000 |
| Allowance for loan losses | 811,000 | 798,000 | 831,000 | 854,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,536,000 | 7,628,000 | 10,126,000 | 10,128,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,278,000 | 64,653,000 | 70,237,000 | 69,637,000 |
| Interest-bearing deposits | 56,644,000 | 54,804,000 | 61,382,000 | 59,748,000 |
| Noninterest-bearing deposits | 7,634,000 | 9,849,000 | 8,854,000 | 9,889,000 |
| Equity capital | 8,356,000 | 8,624,000 | 8,899,000 | 9,096,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,148,000 | 3,260,000 | 4,426,000 |
| Interest expense | 320,000 | 634,000 | 1,006,000 | 1,428,000 |
| Net interest income | 790,000 | 1,514,000 | 2,254,000 | 2,998,000 |
| Noninterest income | 208,000 | 480,000 | 746,000 | 1,007,000 |
| Noninterest expense | 502,000 | 1,033,000 | 1,571,000 | 2,157,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 451,000 | 871,000 | 1,294,000 | 1,668,000 |
| Income tax | 164,000 | 316,000 | 464,000 | 641,000 |
| Net income | 287,000 | 555,000 | 830,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,356,000 | 8,624,000 | 8,899,000 | 9,096,000 |
| Total capital | 9,066,000 | 9,380,000 | 9,671,000 | 9,924,000 |
| Risk-weighted assets | 56,665,000 | 60,447,000 | 61,684,000 | 66,178,000 |