Call reports 2010
BAY BANK — 2010
What BAY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 119,634,000 | 127,570,000 | 118,359,000 | 113,040,000 |
| Total loans | 77,663,000 | 79,599,000 | 77,623,000 | 75,238,000 |
| Allowance for loan losses | 2,897,000 | 2,951,000 | 2,541,000 | 2,616,000 |
| Securities available for sale | 21,671,000 | 28,294,000 | 27,758,000 | 25,320,000 |
| Securities held to maturity | 2,187,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,094,000 | 101,343,000 | 87,762,000 | 89,518,000 |
| Interest-bearing deposits | 88,248,000 | 91,042,000 | 79,450,000 | 79,854,000 |
| Noninterest-bearing deposits | 6,846,000 | 10,301,000 | 8,311,000 | 9,664,000 |
| Equity capital | 9,438,000 | 9,578,000 | 9,987,000 | 9,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,495,000 | 2,959,000 | 4,575,000 | 6,070,000 |
| Interest expense | 481,000 | 954,000 | 1,381,000 | 1,763,000 |
| Net interest income | 1,014,000 | 2,005,000 | 3,194,000 | 4,307,000 |
| Noninterest income | 249,000 | 573,000 | 888,000 | 793,000 |
| Noninterest expense | 837,000 | 1,633,000 | 2,345,000 | 2,899,000 |
| Provision for loan losses | 303,000 | 633,000 | 1,144,000 | 1,720,000 |
| Pretax income | 123,000 | 299,000 | 565,000 | 453,000 |
| Income tax | 3,000 | 35,000 | 98,000 | 13,000 |
| Net income | 120,000 | 264,000 | 467,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,170,000 | 8,438,000 | 9,039,000 | 8,188,000 |
| Total capital | 9,236,000 | 9,532,000 | 10,111,000 | 9,240,000 |
| Risk-weighted assets | 86,706,000 | 89,328,000 | 85,911,000 | 81,853,000 |