Call reports 2012
BAY BANK — 2012
What BAY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 101,175,000 | 99,178,000 | 96,892,000 | 89,165,000 |
| Total loans | 68,158,000 | 66,862,000 | 62,600,000 | 60,824,000 |
| Allowance for loan losses | 4,211,000 | 4,152,000 | 3,259,000 | 4,189,000 |
| Securities available for sale | 19,919,000 | 18,071,000 | 17,124,000 | 16,204,000 |
| Securities held to maturity | 2,746,000 | 2,745,000 | 2,744,000 | 2,743,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,427,000 | 78,052,000 | 77,522,000 | 71,630,000 |
| Interest-bearing deposits | 71,593,000 | 69,870,000 | 68,152,000 | 62,429,000 |
| Noninterest-bearing deposits | 8,834,000 | 8,181,000 | 9,369,000 | 9,201,000 |
| Equity capital | 10,504,000 | 10,809,000 | 10,765,000 | 9,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,439,000 | 3,662,000 | 4,867,000 |
| Interest expense | 202,000 | 385,000 | 551,000 | 695,000 |
| Net interest income | 1,009,000 | 2,054,000 | 3,111,000 | 4,172,000 |
| Noninterest income | 228,000 | 474,000 | 410,000 | 366,000 |
| Noninterest expense | 794,000 | 1,529,000 | 2,256,000 | 2,999,000 |
| Provision for loan losses | 111,000 | 307,000 | 689,000 | 2,033,000 |
| Pretax income | 332,000 | 692,000 | 576,000 | -494,000 |
| Income tax | 88,000 | 187,000 | 99,000 | -352,000 |
| Net income | 244,000 | 505,000 | 477,000 | -142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,972,000 | 9,288,000 | 9,465,000 | 8,216,000 |
| Total capital | 9,896,000 | 10,241,000 | 10,382,000 | 9,088,000 |
| Risk-weighted assets | 74,034,000 | 72,876,000 | 70,351,000 | 65,721,000 |