Call reports 2012
BAYVANGUARD BANK — 2012
What BAYVANGUARD 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 | 149,754,000 | 148,433,000 | 148,706,000 | 144,033,000 |
| Total loans | 102,820,000 | 103,514,000 | 105,554,000 | 106,897,000 |
| Allowance for loan losses | 1,264,000 | 1,405,000 | 1,365,000 | 1,416,000 |
| Securities available for sale | 1,981,000 | 3,418,000 | 2,872,000 | 2,839,000 |
| Securities held to maturity | 17,174,000 | 15,487,000 | 14,815,000 | 11,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,387,000 | 130,902,000 | 131,291,000 | 126,019,000 |
| Interest-bearing deposits | 122,440,000 | 120,669,000 | 121,033,000 | 117,379,000 |
| Noninterest-bearing deposits | 9,947,000 | 10,233,000 | 10,258,000 | 8,640,000 |
| Equity capital | 14,693,000 | 14,820,000 | 14,835,000 | 15,039,000 |
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 | 1,566,000 | 3,172,000 | 4,795,000 | 6,331,000 |
| Interest expense | 302,000 | 583,000 | 853,000 | 1,095,000 |
| Net interest income | 1,264,000 | 2,589,000 | 3,942,000 | 5,236,000 |
| Noninterest income | 532,000 | 577,000 | 621,000 | 710,000 |
| Noninterest expense | 940,000 | 1,908,000 | 2,988,000 | 3,979,000 |
| Provision for loan losses | 45,000 | 245,000 | 551,000 | 612,000 |
| Pretax income | 813,000 | 1,015,000 | 1,026,000 | 1,355,000 |
| Income tax | 188,000 | 271,000 | 273,000 | 400,000 |
| Net income | 625,000 | 744,000 | 753,000 | 955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,101,000 | 13,466,000 | 13,295,000 | 13,506,000 |
| Total capital | 14,189,000 | 14,532,000 | 14,338,000 | 14,558,000 |
| Risk-weighted assets | 86,392,000 | 84,955,000 | 83,150,000 | 83,841,000 |