Call reports 2014
BAY CITIES BANK — 2014
What BAY CITIES BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 534,230,000 | 536,760,000 | 542,932,000 | 519,002,000 |
| Total loans | 363,703,000 | 358,459,000 | 373,282,000 | 391,233,000 |
| Allowance for loan losses | 4,287,000 | 4,390,000 | 4,355,000 | 4,569,000 |
| Securities available for sale | 55,192,000 | 46,527,000 | 45,211,000 | 42,954,000 |
| Securities held to maturity | 26,942,000 | 25,938,000 | 26,070,000 | 25,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,716,000 | 453,460,000 | 458,825,000 | 426,776,000 |
| Interest-bearing deposits | 361,578,000 | 359,532,000 | 361,075,000 | 332,482,000 |
| Noninterest-bearing deposits | 86,138,000 | 93,928,000 | 97,750,000 | 94,294,000 |
| Equity capital | 64,446,000 | 65,422,000 | 66,280,000 | 67,657,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,356,000 | 10,642,000 | 16,170,000 | 23,353,000 |
| Interest expense | 693,000 | 1,385,000 | 2,083,000 | 2,861,000 |
| Net interest income | 4,663,000 | 9,257,000 | 14,087,000 | 20,492,000 |
| Noninterest income | 658,000 | 1,315,000 | 1,597,000 | 1,926,000 |
| Noninterest expense | 4,083,000 | 8,169,000 | 12,014,000 | 16,844,000 |
| Provision for loan losses | 147,000 | 292,000 | 292,000 | 542,000 |
| Pretax income | 1,091,000 | 3,353,000 | 4,620,000 | 6,274,000 |
| Income tax | 313,000 | 1,061,000 | 1,439,000 | 1,971,000 |
| Net income | 778,000 | 2,292,000 | 3,181,000 | 4,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,141,000 | 59,370,000 | 60,627,000 | 62,193,000 |
| Total capital | 61,428,000 | 63,760,000 | 64,982,000 | 66,762,000 |
| Risk-weighted assets | 382,255,000 | 385,665,000 | 400,124,000 | 419,211,000 |