Call reports 2007
BAY CITIES BANK — 2007
What BAY CITIES BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 322,158,000 | 362,346,000 | 340,507,000 | 340,634,000 |
| Total loans | 203,874,000 | 218,145,000 | 232,891,000 | 241,848,000 |
| Allowance for loan losses | 2,555,000 | 2,733,000 | 2,846,000 | 3,079,000 |
| Securities available for sale | 48,428,000 | 50,112,000 | 45,031,000 | 43,088,000 |
| Securities held to maturity | 21,986,000 | 23,316,000 | 23,304,000 | 23,290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,109,000 | 303,227,000 | 281,984,000 | 262,710,000 |
| Interest-bearing deposits | 199,981,000 | 189,494,000 | 212,989,000 | 210,977,000 |
| Noninterest-bearing deposits | 66,128,000 | 113,733,000 | 68,995,000 | 51,733,000 |
| Equity capital | 26,792,000 | 26,917,000 | 27,676,000 | 28,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,155,000 | 10,402,000 | 16,011,000 | 21,565,000 |
| Interest expense | 2,644,000 | 5,254,000 | 8,050,000 | 10,894,000 |
| Net interest income | 2,511,000 | 5,148,000 | 7,961,000 | 10,671,000 |
| Noninterest income | 1,250,000 | 1,847,000 | 2,409,000 | 3,002,000 |
| Noninterest expense | 2,478,000 | 4,941,000 | 7,633,000 | 10,078,000 |
| Provision for loan losses | 86,000 | 264,000 | 491,000 | 998,000 |
| Pretax income | 1,197,000 | 1,790,000 | 2,246,000 | 2,604,000 |
| Income tax | 367,000 | 477,000 | 578,000 | 574,000 |
| Net income | 830,000 | 1,313,000 | 1,668,000 | 2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,217,000 | 26,485,000 | 27,085,000 | 27,383,000 |
| Total capital | 28,772,000 | 29,218,000 | 29,931,000 | 30,462,000 |
| Risk-weighted assets | 248,089,000 | 266,797,000 | 272,796,000 | 276,491,000 |