Call reports 2012
BAY BANK, FSB — 2012
What BAY BANK, FSB 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 | 121,751,000 | 126,320,000 | 128,413,000 | 133,181,000 |
| Total loans | 96,578,000 | 97,971,000 | 100,487,000 | 101,760,000 |
| Allowance for loan losses | 827,000 | 558,000 | 452,000 | 656,000 |
| Securities available for sale | 13,323,000 | 12,041,000 | 10,835,000 | 9,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,423,000 | 95,516,000 | 97,519,000 | 102,504,000 |
| Interest-bearing deposits | 68,903,000 | 71,165,000 | 71,779,000 | 80,567,000 |
| Noninterest-bearing deposits | 22,520,000 | 24,351,000 | 25,740,000 | 21,937,000 |
| Equity capital | 29,914,000 | 29,905,000 | 30,252,000 | 29,906,000 |
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 | 2,619,000 | 5,054,000 | 7,518,000 | 9,805,000 |
| Interest expense | 149,000 | 288,000 | 428,000 | 576,000 |
| Net interest income | 2,470,000 | 4,766,000 | 7,090,000 | 9,229,000 |
| Noninterest income | 322,000 | 196,000 | 272,000 | 308,000 |
| Noninterest expense | 1,915,000 | 3,987,000 | 5,849,000 | 7,932,000 |
| Provision for loan losses | 150,000 | 392,000 | 407,000 | 734,000 |
| Pretax income | 727,000 | 583,000 | 1,106,000 | 871,000 |
| Income tax | 309,000 | 255,000 | 503,000 | 657,000 |
| Net income | 418,000 | 328,000 | 603,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,415,000 | 29,419,000 | 29,766,000 | 29,472,000 |
| Total capital | 30,242,000 | 29,977,000 | 30,218,000 | 30,128,000 |
| Risk-weighted assets | 103,339,000 | 103,113,000 | 105,731,000 | 108,516,000 |