Call reports 2011
BAY CITIES BANK — 2011
What BAY CITIES BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 600,787,000 | 592,324,000 | 608,138,000 | 607,642,000 |
| Total loans | 319,936,000 | 319,270,000 | 339,454,000 | 321,826,000 |
| Allowance for loan losses | 5,374,000 | 5,826,000 | 6,855,000 | 5,129,000 |
| Securities available for sale | 128,673,000 | 101,048,000 | 98,482,000 | 90,969,000 |
| Securities held to maturity | 24,999,000 | 24,592,000 | 30,018,000 | 29,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 511,847,000 | 500,140,000 | 508,098,000 | 513,561,000 |
| Interest-bearing deposits | 422,141,000 | 397,678,000 | 384,003,000 | 389,522,000 |
| Noninterest-bearing deposits | 89,706,000 | 102,462,000 | 124,096,000 | 124,039,000 |
| Equity capital | 59,030,000 | 61,031,000 | 64,654,000 | 58,464,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 6,237,000 | 12,490,000 | 17,981,000 | 23,451,000 |
| Interest expense | 1,773,000 | 3,356,000 | 4,882,000 | 6,220,000 |
| Net interest income | 4,464,000 | 9,134,000 | 13,099,000 | 17,231,000 |
| Noninterest income | 787,000 | 1,097,000 | 814,000 | -130,000 |
| Noninterest expense | 4,069,000 | 8,159,000 | 11,955,000 | 15,377,000 |
| Provision for loan losses | 823,000 | 1,375,000 | 4,930,000 | 13,960,000 |
| Pretax income | 359,000 | 747,000 | -2,922,000 | -12,186,000 |
| Income tax | 46,000 | 99,000 | -1,376,000 | -4,963,000 |
| Net income | 313,000 | 648,000 | -1,546,000 | -7,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,441,000 | 56,191,000 | 55,785,000 | 47,422,000 |
| Total capital | 58,785,000 | 60,313,000 | 60,101,000 | 51,553,000 |
| Risk-weighted assets | 345,695,000 | 327,326,000 | 341,987,000 | 328,745,000 |