Call reports 2005
BAY CITIES BANK — 2005
What BAY CITIES BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 210,825,000 | 239,666,000 | 257,234,000 | 301,604,000 |
| Total loans | 137,541,000 | 145,994,000 | 158,331,000 | 170,896,000 |
| Allowance for loan losses | 1,779,000 | 1,808,000 | 1,991,000 | 2,140,000 |
| Securities available for sale | 41,332,000 | 39,520,000 | 44,575,000 | 43,228,000 |
| Securities held to maturity | 3,430,000 | 3,792,000 | 6,197,000 | 9,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,680,000 | 198,794,000 | 209,240,000 | 246,656,000 |
| Interest-bearing deposits | 133,520,000 | 154,940,000 | 164,380,000 | 209,096,000 |
| Noninterest-bearing deposits | 35,160,000 | 43,854,000 | 44,860,000 | 37,560,000 |
| Equity capital | 17,993,000 | 18,605,000 | 21,587,000 | 21,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,662,000 | 5,541,000 | 8,873,000 | 12,862,000 |
| Interest expense | 937,000 | 2,112,000 | 3,528,000 | 5,454,000 |
| Net interest income | 1,725,000 | 3,429,000 | 5,345,000 | 7,408,000 |
| Noninterest income | 211,000 | 466,000 | 799,000 | 1,206,000 |
| Noninterest expense | 1,288,000 | 2,784,000 | 4,523,000 | 6,269,000 |
| Provision for loan losses | 21,000 | 50,000 | 243,000 | 471,000 |
| Pretax income | 627,000 | 1,061,000 | 1,378,000 | 1,874,000 |
| Income tax | 229,000 | 387,000 | 502,000 | 730,000 |
| Net income | 398,000 | 674,000 | 876,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,975,000 | 18,453,000 | 21,522,000 | 21,695,000 |
| Total capital | 19,754,000 | 20,261,000 | 23,513,000 | 23,835,000 |
| Risk-weighted assets | 168,718,000 | 179,686,000 | 192,738,000 | 213,090,000 |