Call reports 2006
BAY BANK — 2006
What BAY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 98,288,000 | 98,103,000 | 98,013,000 | 99,634,000 |
| Total loans | 72,192,000 | 71,757,000 | 72,563,000 | 72,086,000 |
| Allowance for loan losses | 923,000 | 999,000 | 1,025,000 | 1,043,000 |
| Securities available for sale | 0 | 0 | 0 | 147,000 |
| Securities held to maturity | 18,405,000 | 18,441,000 | 16,768,000 | 18,856,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,545,000 | 82,162,000 | 81,230,000 | 83,266,000 |
| Interest-bearing deposits | 73,728,000 | 72,597,000 | 71,450,000 | 74,021,000 |
| Noninterest-bearing deposits | 8,816,000 | 9,565,000 | 9,781,000 | 9,245,000 |
| Equity capital | 10,324,000 | 10,545,000 | 10,767,000 | 10,821,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,391,000 | 2,853,000 | 4,372,000 | 5,975,000 |
| Interest expense | 716,000 | 1,463,000 | 2,282,000 | 3,147,000 |
| Net interest income | 675,000 | 1,390,000 | 2,090,000 | 2,828,000 |
| Noninterest income | 239,000 | 485,000 | 711,000 | 947,000 |
| Noninterest expense | 582,000 | 1,169,000 | 1,731,000 | 2,320,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 540,000 |
| Pretax income | 272,000 | 586,000 | 890,000 | 915,000 |
| Income tax | 69,000 | 162,000 | 244,000 | 215,000 |
| Net income | 203,000 | 424,000 | 646,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,324,000 | 10,545,000 | 10,767,000 | 10,821,000 |
| Total capital | 11,247,000 | 11,472,000 | 11,746,000 | 11,750,000 |
| Risk-weighted assets | 77,356,000 | 77,882,000 | 78,300,000 | 79,039,000 |