Call reports 2011
BAY BANK — 2011
What BAY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 114,596,000 | 111,216,000 | 113,919,000 | 103,310,000 |
| Total loans | 73,504,000 | 70,889,000 | 70,659,000 | 68,997,000 |
| Allowance for loan losses | 2,882,000 | 2,630,000 | 2,940,000 | 4,069,000 |
| Securities available for sale | 27,257,000 | 27,122,000 | 25,766,000 | 21,349,000 |
| Securities held to maturity | 0 | 1,930,000 | 2,748,000 | 2,747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,275,000 | 86,553,000 | 88,656,000 | 80,710,000 |
| Interest-bearing deposits | 79,813,000 | 77,743,000 | 78,894,000 | 71,877,000 |
| Noninterest-bearing deposits | 9,462,000 | 8,810,000 | 9,762,000 | 8,833,000 |
| Equity capital | 10,064,000 | 10,429,000 | 10,732,000 | 10,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,426,000 | 2,712,000 | 3,954,000 | 5,290,000 |
| Interest expense | 322,000 | 637,000 | 926,000 | 1,177,000 |
| Net interest income | 1,104,000 | 2,075,000 | 3,028,000 | 4,113,000 |
| Noninterest income | 260,000 | 481,000 | 728,000 | 907,000 |
| Noninterest expense | 772,000 | 1,523,000 | 2,250,000 | 2,919,000 |
| Provision for loan losses | 160,000 | 375,000 | 711,000 | 2,059,000 |
| Pretax income | 432,000 | 658,000 | 970,000 | 217,000 |
| Income tax | 127,000 | 167,000 | 240,000 | -98,000 |
| Net income | 305,000 | 491,000 | 730,000 | 315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,828,000 | 9,053,000 | 9,198,000 | 8,837,000 |
| Total capital | 9,830,000 | 10,061,000 | 10,216,000 | 9,811,000 |
| Risk-weighted assets | 81,376,000 | 78,060,000 | 78,738,000 | 74,262,000 |