Call reports 2007
BAY BANK — 2007
What BAY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 97,914,000 | 98,728,000 | 97,178,000 | 102,151,000 |
| Total loans | 72,789,000 | 70,545,000 | 69,335,000 | 72,085,000 |
| Allowance for loan losses | 910,000 | 857,000 | 751,000 | 851,000 |
| Securities available for sale | 208,000 | 582,000 | 3,155,000 | 11,631,000 |
| Securities held to maturity | 18,945,000 | 18,750,000 | 16,388,000 | 8,110,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,269,000 | 81,932,000 | 78,684,000 | 78,630,000 |
| Interest-bearing deposits | 73,776,000 | 73,077,000 | 70,309,000 | 69,657,000 |
| Noninterest-bearing deposits | 7,492,000 | 8,854,000 | 8,375,000 | 8,973,000 |
| Equity capital | 11,002,000 | 11,245,000 | 11,443,000 | 11,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,629,000 | 3,343,000 | 5,107,000 | 6,808,000 |
| Interest expense | 858,000 | 1,748,000 | 2,639,000 | 3,549,000 |
| Net interest income | 771,000 | 1,595,000 | 2,468,000 | 3,259,000 |
| Noninterest income | 277,000 | 579,000 | 847,000 | 1,125,000 |
| Noninterest expense | 730,000 | 1,336,000 | 1,942,000 | 2,575,000 |
| Provision for loan losses | 83,000 | 254,000 | 529,000 | 682,000 |
| Pretax income | 235,000 | 584,000 | 844,000 | 1,127,000 |
| Income tax | 54,000 | 160,000 | 222,000 | 289,000 |
| Net income | 181,000 | 424,000 | 622,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,002,000 | 11,245,000 | 11,443,000 | 11,158,000 |
| Total capital | 11,912,000 | 12,102,000 | 12,194,000 | 12,009,000 |
| Risk-weighted assets | 80,534,000 | 79,671,000 | 79,446,000 | 84,593,000 |