Call reports 2006
BAY CITIES BANK — 2006
What BAY CITIES BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 298,626,000 | 304,645,000 | 305,854,000 | 310,328,000 |
| Total loans | 174,917,000 | 182,621,000 | 190,660,000 | 196,280,000 |
| Allowance for loan losses | 2,250,000 | 2,327,000 | 2,390,000 | 2,469,000 |
| Securities available for sale | 42,172,000 | 39,919,000 | 38,954,000 | 40,753,000 |
| Securities held to maturity | 11,499,000 | 12,388,000 | 12,792,000 | 19,931,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,998,000 | 239,994,000 | 246,437,000 | 256,991,000 |
| Interest-bearing deposits | 215,135,000 | 206,234,000 | 201,898,000 | 195,486,000 |
| Noninterest-bearing deposits | 30,863,000 | 33,760,000 | 44,539,000 | 61,505,000 |
| Equity capital | 24,429,000 | 24,409,000 | 25,142,000 | 25,907,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,249,000 | 8,678,000 | 13,338,000 | 18,332,000 |
| Interest expense | 2,000,000 | 4,248,000 | 6,710,000 | 9,379,000 |
| Net interest income | 2,249,000 | 4,430,000 | 6,628,000 | 8,953,000 |
| Noninterest income | 639,000 | 1,015,000 | 1,380,000 | 1,725,000 |
| Noninterest expense | 2,174,000 | 4,463,000 | 6,584,000 | 8,374,000 |
| Provision for loan losses | 110,000 | 217,000 | 280,000 | 299,000 |
| Pretax income | 604,000 | 765,000 | 1,144,000 | 2,005,000 |
| Income tax | 180,000 | 184,000 | 289,000 | 504,000 |
| Net income | 424,000 | 581,000 | 855,000 | 1,501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,145,000 | 24,477,000 | 25,029,000 | 25,353,000 |
| Total capital | 27,395,000 | 26,804,000 | 27,419,000 | 27,822,000 |
| Risk-weighted assets | 214,884,000 | 227,485,000 | 232,932,000 | 235,676,000 |