Call reports 2005
BAY BANK — 2005
What BAY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 85,504,000 | 96,953,000 | 95,038,000 | 98,020,000 |
| Total loans | 68,725,000 | 70,650,000 | 70,627,000 | 70,449,000 |
| Allowance for loan losses | 869,000 | 785,000 | 834,000 | 881,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,219,000 | 10,218,000 | 16,910,000 | 16,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,975,000 | 82,105,000 | 79,453,000 | 82,493,000 |
| Interest-bearing deposits | 63,099,000 | 68,835,000 | 71,952,000 | 72,150,000 |
| Noninterest-bearing deposits | 7,876,000 | 13,270,000 | 7,501,000 | 10,343,000 |
| Equity capital | 9,326,000 | 9,598,000 | 9,851,000 | 10,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,509,000 | 3,927,000 | 5,363,000 |
| Interest expense | 479,000 | 1,009,000 | 1,660,000 | 2,358,000 |
| Net interest income | 738,000 | 1,500,000 | 2,267,000 | 3,005,000 |
| Noninterest income | 252,000 | 471,000 | 702,000 | 954,000 |
| Noninterest expense | 564,000 | 1,108,000 | 1,682,000 | 2,231,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 185,000 |
| Pretax income | 381,000 | 773,000 | 1,152,000 | 1,543,000 |
| Income tax | 151,000 | 271,000 | 397,000 | 518,000 |
| Net income | 230,000 | 502,000 | 755,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,326,000 | 9,598,000 | 9,851,000 | 10,121,000 |
| Total capital | 10,173,000 | 10,383,000 | 10,685,000 | 11,002,000 |
| Risk-weighted assets | 67,717,000 | 72,130,000 | 74,366,000 | 74,110,000 |