Call reports 2013
BAY CITIES BANK — 2013
What BAY CITIES BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 533,581,000 | 501,230,000 | 488,606,000 | 529,723,000 |
| Total loans | 335,284,000 | 351,770,000 | 358,805,000 | 359,783,000 |
| Allowance for loan losses | 5,277,000 | 4,461,000 | 4,403,000 | 4,040,000 |
| Securities available for sale | 51,055,000 | 46,476,000 | 43,576,000 | 56,781,000 |
| Securities held to maturity | 28,031,000 | 28,025,000 | 27,007,000 | 26,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 463,054,000 | 430,020,000 | 415,998,000 | 441,432,000 |
| Interest-bearing deposits | 345,626,000 | 332,330,000 | 334,247,000 | 339,361,000 |
| Noninterest-bearing deposits | 117,428,000 | 97,690,000 | 81,751,000 | 102,071,000 |
| Equity capital | 61,392,000 | 61,770,000 | 62,642,000 | 63,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,078,000 | 10,173,000 | 15,399,000 | 20,726,000 |
| Interest expense | 820,000 | 1,576,000 | 2,318,000 | 3,038,000 |
| Net interest income | 4,258,000 | 8,597,000 | 13,081,000 | 17,688,000 |
| Noninterest income | 2,055,000 | 2,835,000 | 3,782,000 | 4,490,000 |
| Noninterest expense | 4,746,000 | 8,652,000 | 12,906,000 | 17,320,000 |
| Provision for loan losses | 507,000 | 624,000 | 609,000 | 314,000 |
| Pretax income | 1,657,000 | 2,753,000 | 3,945,000 | 5,141,000 |
| Income tax | 521,000 | 834,000 | 1,180,000 | 1,405,000 |
| Net income | 1,136,000 | 1,919,000 | 2,765,000 | 3,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,096,000 | 52,938,000 | 54,204,000 | 55,630,000 |
| Total capital | 56,362,000 | 57,322,000 | 58,607,000 | 59,670,000 |
| Risk-weighted assets | 339,488,000 | 350,558,000 | 366,763,000 | 375,754,000 |