Call reports 2009
BAY CITIES BANK — 2009
What BAY CITIES BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 456,390,000 | 488,306,000 | 479,820,000 | 483,322,000 |
| Total loans | 272,578,000 | 273,523,000 | 282,275,000 | 274,565,000 |
| Allowance for loan losses | 8,930,000 | 8,171,000 | 8,217,000 | 10,347,000 |
| Securities available for sale | 118,024,000 | 107,462,000 | 110,739,000 | 130,196,000 |
| Securities held to maturity | 21,875,000 | 21,867,000 | 21,860,000 | 21,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 390,044,000 | 422,712,000 | 418,825,000 | 408,650,000 |
| Interest-bearing deposits | 320,074,000 | 355,101,000 | 341,168,000 | 341,986,000 |
| Noninterest-bearing deposits | 69,970,000 | 67,610,000 | 77,658,000 | 66,665,000 |
| Equity capital | 40,756,000 | 37,846,000 | 39,087,000 | 42,654,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,111,000 | 10,520,000 | 16,035,000 | 21,658,000 |
| Interest expense | 2,659,000 | 5,484,000 | 8,002,000 | 10,359,000 |
| Net interest income | 2,452,000 | 5,036,000 | 8,033,000 | 11,299,000 |
| Noninterest income | 904,000 | 1,704,000 | 2,500,000 | 3,211,000 |
| Noninterest expense | 3,084,000 | 7,807,000 | 11,007,000 | 14,332,000 |
| Provision for loan losses | 5,287,000 | 7,387,000 | 7,433,000 | 14,070,000 |
| Pretax income | -5,015,000 | -7,782,000 | -7,131,000 | -13,116,000 |
| Income tax | -1,920,000 | -3,015,000 | -2,798,000 | -5,110,000 |
| Net income | -3,095,000 | -4,767,000 | -4,333,000 | -8,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,658,000 | 33,338,000 | 34,079,000 | 37,698,000 |
| Total capital | 40,675,000 | 37,352,000 | 38,137,000 | 41,684,000 |
| Risk-weighted assets | 316,423,000 | 317,233,000 | 320,491,000 | 312,533,000 |