Call reports 2013
BAY BANK — 2013
What BAY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 86,310,000 | 82,699,000 | 84,044,000 | 83,390,000 |
| Total loans | 59,228,000 | 56,459,000 | 55,403,000 | 53,272,000 |
| Allowance for loan losses | 4,349,000 | 3,752,000 | 3,238,000 | 3,220,000 |
| Securities available for sale | 15,236,000 | 14,339,000 | 13,856,000 | 16,435,000 |
| Securities held to maturity | 2,741,000 | 2,740,000 | 2,739,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,693,000 | 67,819,000 | 69,697,000 | 68,683,000 |
| Interest-bearing deposits | 60,788,000 | 58,235,000 | 59,056,000 | 56,191,000 |
| Noninterest-bearing deposits | 8,905,000 | 9,584,000 | 10,641,000 | 12,492,000 |
| Equity capital | 10,008,000 | 9,805,000 | 9,750,000 | 9,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,033,000 | 2,989,000 | 3,992,000 |
| Interest expense | 128,000 | 245,000 | 356,000 | 454,000 |
| Net interest income | 945,000 | 1,788,000 | 2,633,000 | 3,538,000 |
| Noninterest income | 72,000 | 10,000 | 39,000 | 154,000 |
| Noninterest expense | 776,000 | 1,573,000 | 2,277,000 | 3,184,000 |
| Provision for loan losses | 141,000 | 317,000 | 477,000 | 519,000 |
| Pretax income | 105,000 | -87,000 | -77,000 | -6,000 |
| Income tax | 3,000 | -112,000 | -148,000 | -159,000 |
| Net income | 102,000 | 25,000 | 71,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,179,000 | 8,256,000 | 7,782,000 | 7,959,000 |
| Total capital | 9,024,000 | 9,085,000 | 8,575,000 | 8,730,000 |
| Risk-weighted assets | 63,472,000 | 62,807,000 | 60,763,000 | 59,397,000 |