Call reports 2001
BAY CITIES BANK — 2001
What BAY CITIES BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 41,403,000 | 48,370,000 | 58,800,000 | 79,505,000 |
| Total loans | 29,603,000 | 36,279,000 | 38,253,000 | 45,705,000 |
| Allowance for loan losses | 433,000 | 458,000 | 491,000 | 524,000 |
| Securities available for sale | 5,571,000 | 5,637,000 | 8,174,000 | 23,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,530,000 | 40,487,000 | 45,957,000 | 62,012,000 |
| Interest-bearing deposits | 26,611,000 | 32,954,000 | 37,764,000 | 52,527,000 |
| Noninterest-bearing deposits | 6,919,000 | 7,533,000 | 8,193,000 | 9,485,000 |
| Equity capital | 7,742,000 | 7,738,000 | 7,862,000 | 7,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 759,000 | 1,607,000 | 2,568,000 | 3,607,000 |
| Interest expense | 339,000 | 753,000 | 1,204,000 | 1,716,000 |
| Net interest income | 420,000 | 854,000 | 1,364,000 | 1,891,000 |
| Noninterest income | 23,000 | 44,000 | 68,000 | 98,000 |
| Noninterest expense | 436,000 | 866,000 | 1,308,000 | 1,740,000 |
| Provision for loan losses | 46,000 | 71,000 | 104,000 | 137,000 |
| Pretax income | -39,000 | -25,000 | 34,000 | 128,000 |
| Income tax | -14,000 | -8,000 | 13,000 | 49,000 |
| Net income | -25,000 | -17,000 | 21,000 | 79,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,018,000 | 7,024,000 | 7,136,000 | 7,149,000 |
| Total capital | 7,451,000 | 7,482,000 | 7,627,000 | 7,673,000 |
| Risk-weighted assets | 31,641,000 | 38,628,000 | 42,797,000 | 54,899,000 |