Call reports 2008
BAY CITIES BANK — 2008
What BAY CITIES BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 350,233,000 | 396,508,000 | 411,323,000 | 442,032,000 |
| Total loans | 244,552,000 | 256,871,000 | 269,968,000 | 273,148,000 |
| Allowance for loan losses | 3,581,000 | 4,234,000 | 4,600,000 | 6,225,000 |
| Securities available for sale | 52,918,000 | 80,555,000 | 80,855,000 | 59,383,000 |
| Securities held to maturity | 23,278,000 | 23,266,000 | 22,750,000 | 21,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,468,000 | 321,030,000 | 355,778,000 | 384,197,000 |
| Interest-bearing deposits | 223,261,000 | 240,477,000 | 275,850,000 | 292,994,000 |
| Noninterest-bearing deposits | 65,207,000 | 80,552,000 | 79,928,000 | 91,203,000 |
| Equity capital | 28,857,000 | 27,551,000 | 32,018,000 | 35,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,341,000 | 10,699,000 | 16,537,000 | 22,334,000 |
| Interest expense | 2,627,000 | 5,138,000 | 7,723,000 | 10,349,000 |
| Net interest income | 2,714,000 | 5,561,000 | 8,814,000 | 11,985,000 |
| Noninterest income | 731,000 | 1,696,000 | 2,632,000 | 3,526,000 |
| Noninterest expense | 2,721,000 | 5,483,000 | 8,254,000 | 10,993,000 |
| Provision for loan losses | 502,000 | 1,149,000 | 2,473,000 | 8,193,000 |
| Pretax income | 330,000 | 733,000 | 827,000 | -2,918,000 |
| Income tax | 21,000 | 124,000 | -3,000 | -1,410,000 |
| Net income | 309,000 | 609,000 | 830,000 | -1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,536,000 | 26,602,000 | 30,297,000 | 33,208,000 |
| Total capital | 31,000,000 | 30,399,000 | 34,271,000 | 37,359,000 |
| Risk-weighted assets | 276,207,000 | 303,026,000 | 316,528,000 | 329,218,000 |