Call reports 2004
BAY CITIES BANK — 2004
What BAY CITIES BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 171,308,000 | 176,265,000 | 179,094,000 | 193,325,000 |
| Total loans | 107,522,000 | 108,956,000 | 117,111,000 | 121,864,000 |
| Allowance for loan losses | 1,548,000 | 1,640,000 | 1,679,000 | 1,758,000 |
| Securities available for sale | 54,791,000 | 50,614,000 | 47,478,000 | 44,289,000 |
| Securities held to maturity | 1,443,000 | 1,441,000 | 2,011,000 | 3,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,978,000 | 151,051,000 | 153,191,000 | 167,047,000 |
| Interest-bearing deposits | 124,193,000 | 123,471,000 | 126,225,000 | 133,681,000 |
| Noninterest-bearing deposits | 20,785,000 | 27,580,000 | 26,965,000 | 33,366,000 |
| Equity capital | 14,527,000 | 13,863,000 | 14,804,000 | 14,990,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,156,000 | 4,398,000 | 6,704,000 | 9,119,000 |
| Interest expense | 807,000 | 1,656,000 | 2,491,000 | 3,420,000 |
| Net interest income | 1,349,000 | 2,742,000 | 4,213,000 | 5,699,000 |
| Noninterest income | 86,000 | 185,000 | 324,000 | 504,000 |
| Noninterest expense | 863,000 | 1,788,000 | 2,775,000 | 3,865,000 |
| Provision for loan losses | 215,000 | 308,000 | 347,000 | 428,000 |
| Pretax income | 357,000 | 831,000 | 1,415,000 | 1,910,000 |
| Income tax | 134,000 | 316,000 | 532,000 | 718,000 |
| Net income | 223,000 | 515,000 | 883,000 | 1,192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,261,000 | 13,977,000 | 14,691,000 | 14,925,000 |
| Total capital | 15,809,000 | 15,593,000 | 16,370,000 | 16,683,000 |
| Risk-weighted assets | 124,118,000 | 129,315,000 | 137,871,000 | 148,605,000 |