Call reports 2009
BAY BANK — 2009
What BAY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 108,328,000 | 109,974,000 | 110,813,000 | 113,495,000 |
| Total loans | 76,757,000 | 78,922,000 | 80,566,000 | 81,799,000 |
| Allowance for loan losses | 1,195,000 | 1,106,000 | 3,626,000 | 3,642,000 |
| Securities available for sale | 18,688,000 | 18,771,000 | 19,605,000 | 21,159,000 |
| Securities held to maturity | 3,741,000 | 3,607,000 | 3,353,000 | 2,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,580,000 | 80,602,000 | 80,965,000 | 85,004,000 |
| Interest-bearing deposits | 73,651,000 | 74,086,000 | 72,857,000 | 77,324,000 |
| Noninterest-bearing deposits | 5,929,000 | 6,516,000 | 8,108,000 | 7,681,000 |
| Equity capital | 11,753,000 | 11,661,000 | 10,557,000 | 9,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,517,000 | 2,944,000 | 4,301,000 | 5,876,000 |
| Interest expense | 700,000 | 1,372,000 | 1,990,000 | 2,537,000 |
| Net interest income | 817,000 | 1,572,000 | 2,311,000 | 3,339,000 |
| Noninterest income | 246,000 | 529,000 | 837,000 | 1,187,000 |
| Noninterest expense | 723,000 | 1,447,000 | 2,179,000 | 3,528,000 |
| Provision for loan losses | 150,000 | 590,000 | 3,435,000 | 5,485,000 |
| Pretax income | 190,000 | 64,000 | -2,466,000 | -4,487,000 |
| Income tax | 7,000 | -79,000 | -1,146,000 | -1,945,000 |
| Net income | 183,000 | 143,000 | -1,320,000 | -2,542,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,548,000 | 11,496,000 | 10,033,000 | 8,798,000 |
| Total capital | 12,632,000 | 12,602,000 | 11,115,000 | 9,951,000 |
| Risk-weighted assets | 86,642,000 | 90,458,000 | 87,387,000 | 89,024,000 |