Call reports 2015
BAY CITIES BANK — 2015
What BAY CITIES BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Total assets | 540,473,000 | 573,247,000 | 530,385,000 |
| Total loans | 391,653,000 | 409,732,000 | 422,363,000 |
| Allowance for loan losses | 4,812,000 | 7,727,000 | 5,714,000 |
| Securities available for sale | 41,434,000 | 39,222,000 | 37,359,000 |
| Securities held to maturity | 25,334,000 | 25,326,000 | 23,333,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 461,380,000 | 495,582,000 | 473,744,000 |
| Interest-bearing deposits | 357,260,000 | 379,621,000 | 363,207,000 |
| Noninterest-bearing deposits | 104,121,000 | 115,961,000 | 110,537,000 |
| Equity capital | 68,967,000 | 67,739,000 | 49,703,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Interest income | 5,612,000 | 11,192,000 | 16,925,000 |
| Interest expense | 642,000 | 1,276,000 | 1,899,000 |
| Net interest income | 4,970,000 | 9,916,000 | 15,026,000 |
| Noninterest income | 800,000 | 1,207,000 | 1,520,000 |
| Noninterest expense | 3,649,000 | 7,868,000 | 15,972,000 |
| Provision for loan losses | 250,000 | 3,174,000 | 5,174,000 |
| Pretax income | 1,871,000 | 81,000 | -4,600,000 |
| Income tax | 610,000 | -157,000 | -2,009,000 |
| Net income | 1,261,000 | 238,000 | -2,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 |
|---|---|---|---|
| Tier 1 capital | 64,703,000 | 62,633,000 | 42,604,000 |
| Total capital | 69,515,000 | 68,636,000 | 48,318,000 |
| Risk-weighted assets | 443,170,000 | 474,038,000 | 482,257,000 |