Call reports 2003
BAY CITIES BANK — 2003
What BAY CITIES BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 115,369,000 | 132,290,000 | 136,996,000 | 152,336,000 |
| Total loans | 79,393,000 | 89,727,000 | 95,812,000 | 101,960,000 |
| Allowance for loan losses | 995,000 | 1,139,000 | 1,227,000 | 1,333,000 |
| Securities available for sale | 27,850,000 | 35,128,000 | 34,058,000 | 39,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 546,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,025,000 | 105,314,000 | 109,762,000 | 126,632,000 |
| Interest-bearing deposits | 84,978,000 | 91,341,000 | 95,601,000 | 112,622,000 |
| Noninterest-bearing deposits | 11,047,000 | 13,973,000 | 14,162,000 | 14,010,000 |
| Equity capital | 9,961,000 | 10,081,000 | 11,022,000 | 11,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,417,000 | 5,303,000 | 7,365,000 |
| Interest expense | 709,000 | 1,451,000 | 2,218,000 | 3,032,000 |
| Net interest income | 948,000 | 1,966,000 | 3,085,000 | 4,333,000 |
| Noninterest income | 69,000 | 140,000 | 226,000 | 290,000 |
| Noninterest expense | 573,000 | 1,269,000 | 1,997,000 | 2,711,000 |
| Provision for loan losses | 10,000 | 153,000 | 242,000 | 347,000 |
| Pretax income | 434,000 | 684,000 | 1,072,000 | 1,565,000 |
| Income tax | 163,000 | 257,000 | 403,000 | 592,000 |
| Net income | 271,000 | 427,000 | 669,000 | 973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,662,000 | 9,818,000 | 10,881,000 | 11,199,000 |
| Total capital | 10,657,000 | 10,957,000 | 12,108,000 | 12,532,000 |
| Risk-weighted assets | 90,731,000 | 103,804,000 | 108,118,000 | 114,103,000 |