Call reports 2010
BAY CITIES BANK — 2010
What BAY CITIES BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 510,550,000 | 522,892,000 | 568,362,000 | 622,332,000 |
| Total loans | 284,287,000 | 283,756,000 | 272,437,000 | 324,051,000 |
| Allowance for loan losses | 8,650,000 | 5,491,000 | 4,586,000 | 5,060,000 |
| Securities available for sale | 135,898,000 | 157,134,000 | 134,349,000 | 134,474,000 |
| Securities held to maturity | 21,847,000 | 21,842,000 | 20,954,000 | 22,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 429,529,000 | 444,298,000 | 496,364,000 | 534,685,000 |
| Interest-bearing deposits | 351,539,000 | 363,009,000 | 408,991,000 | 441,092,000 |
| Noninterest-bearing deposits | 77,990,000 | 81,289,000 | 87,372,000 | 93,593,000 |
| Equity capital | 54,002,000 | 56,065,000 | 54,480,000 | 58,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,715,000 | 11,509,000 | 17,148,000 | 23,146,000 |
| Interest expense | 2,182,000 | 4,287,000 | 6,335,000 | 8,365,000 |
| Net interest income | 3,533,000 | 7,222,000 | 10,813,000 | 14,781,000 |
| Noninterest income | 1,228,000 | 1,891,000 | 2,631,000 | 8,543,000 |
| Noninterest expense | 3,295,000 | 7,353,000 | 10,711,000 | 14,234,000 |
| Provision for loan losses | 190,000 | 459,000 | 3,388,000 | 9,637,000 |
| Pretax income | 1,550,000 | 1,895,000 | 680,000 | 1,399,000 |
| Income tax | 506,000 | 558,000 | 21,000 | 214,000 |
| Net income | 1,044,000 | 1,337,000 | 659,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,337,000 | 50,735,000 | 51,236,000 | 54,052,000 |
| Total capital | 53,347,000 | 54,727,000 | 55,095,000 | 58,800,000 |
| Risk-weighted assets | 315,400,000 | 317,889,000 | 307,244,000 | 378,762,000 |