Call reports 2012
BAY CITIES BANK — 2012
What BAY CITIES BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 626,891,000 | 626,051,000 | 606,604,000 | 650,606,000 |
| Total loans | 306,443,000 | 302,794,000 | 305,231,000 | 330,185,000 |
| Allowance for loan losses | 5,056,000 | 5,216,000 | 4,771,000 | 4,440,000 |
| Securities available for sale | 100,709,000 | 133,737,000 | 98,679,000 | 71,878,000 |
| Securities held to maturity | 29,457,000 | 28,720,000 | 28,628,000 | 28,037,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 528,850,000 | 526,743,000 | 511,443,000 | 581,288,000 |
| Interest-bearing deposits | 340,121,000 | 338,496,000 | 323,732,000 | 355,830,000 |
| Noninterest-bearing deposits | 188,729,000 | 188,247,000 | 187,711,000 | 225,458,000 |
| Equity capital | 58,896,000 | 59,655,000 | 60,665,000 | 60,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,423,000 | 10,659,000 | 15,950,000 | 21,071,000 |
| Interest expense | 1,236,000 | 2,296,000 | 3,282,000 | 4,192,000 |
| Net interest income | 4,187,000 | 8,363,000 | 12,668,000 | 16,879,000 |
| Noninterest income | 1,315,000 | 2,574,000 | 3,380,000 | 5,603,000 |
| Noninterest expense | 3,735,000 | 7,411,000 | 11,395,000 | 16,081,000 |
| Provision for loan losses | 959,000 | 1,993,000 | 2,177,000 | 2,901,000 |
| Pretax income | 808,000 | 1,533,000 | 2,808,000 | 3,937,000 |
| Income tax | 204,000 | 376,000 | 760,000 | 1,074,000 |
| Net income | 604,000 | 1,157,000 | 2,048,000 | 2,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,385,000 | 49,571,000 | 50,936,000 | 50,809,000 |
| Total capital | 52,450,000 | 53,640,000 | 54,962,000 | 55,050,000 |
| Risk-weighted assets | 323,433,000 | 323,592,000 | 320,603,000 | 338,303,000 |