Call reports 2002
BAY CITIES BANK — 2002
What BAY CITIES BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 83,841,000 | 96,847,000 | 106,189,000 | 111,106,000 |
| Total loans | 52,594,000 | 60,780,000 | 72,705,000 | 78,663,000 |
| Allowance for loan losses | 647,000 | 755,000 | 888,000 | 985,000 |
| Securities available for sale | 20,481,000 | 18,715,000 | 23,733,000 | 24,558,000 |
| Securities held to maturity | 0 | 5,000,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,997,000 | 79,598,000 | 86,656,000 | 92,219,000 |
| Interest-bearing deposits | 61,306,000 | 67,370,000 | 75,518,000 | 76,821,000 |
| Noninterest-bearing deposits | 10,691,000 | 12,228,000 | 11,137,000 | 15,397,000 |
| Equity capital | 7,666,000 | 8,079,000 | 8,416,000 | 9,754,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,247,000 | 2,651,000 | 4,212,000 | 5,894,000 |
| Interest expense | 615,000 | 1,237,000 | 1,914,000 | 2,624,000 |
| Net interest income | 632,000 | 1,414,000 | 2,298,000 | 3,270,000 |
| Noninterest income | 38,000 | 83,000 | 140,000 | 204,000 |
| Noninterest expense | 458,000 | 951,000 | 1,430,000 | 1,957,000 |
| Provision for loan losses | 123,000 | 231,000 | 364,000 | 461,000 |
| Pretax income | 100,000 | 326,000 | 655,000 | 1,067,000 |
| Income tax | 39,000 | 123,000 | 249,000 | 417,000 |
| Net income | 61,000 | 203,000 | 406,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,140,000 | 7,529,000 | 7,939,000 | 9,392,000 |
| Total capital | 7,787,000 | 8,284,000 | 8,827,000 | 10,378,000 |
| Risk-weighted assets | 61,194,000 | 69,340,000 | 80,503,000 | 87,768,000 |