Call reports 2013
BAYVANGUARD BANK — 2013
What BAYVANGUARD 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 | 140,877,000 | 185,559,000 | 181,362,000 | 179,478,000 |
| Total loans | 107,226,000 | 137,190,000 | 139,075,000 | 137,774,000 |
| Allowance for loan losses | 1,431,000 | 1,438,000 | 1,504,000 | 1,453,000 |
| Securities available for sale | 2,276,000 | 2,216,000 | 2,192,000 | 2,179,000 |
| Securities held to maturity | 10,353,000 | 14,770,000 | 13,967,000 | 13,455,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,954,000 | 160,094,000 | 154,650,000 | 153,304,000 |
| Interest-bearing deposits | 114,593,000 | 147,869,000 | 144,460,000 | 142,341,000 |
| Noninterest-bearing deposits | 8,361,000 | 12,225,000 | 10,190,000 | 10,963,000 |
| Equity capital | 15,189,000 | 18,567,000 | 18,650,000 | 18,925,000 |
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 | 1,469,000 | 3,149,000 | 5,125,000 | 7,100,000 |
| Interest expense | 215,000 | 427,000 | 644,000 | 851,000 |
| Net interest income | 1,254,000 | 2,722,000 | 4,481,000 | 6,249,000 |
| Noninterest income | 84,000 | 166,000 | 230,000 | 286,000 |
| Noninterest expense | 990,000 | 2,129,000 | 3,404,000 | 4,670,000 |
| Provision for loan losses | 60,000 | 130,000 | 483,000 | 616,000 |
| Pretax income | 288,000 | 633,000 | 826,000 | 1,251,000 |
| Income tax | 137,000 | 341,000 | 426,000 | 588,000 |
| Net income | 151,000 | 292,000 | 400,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,656,000 | 16,293,000 | 16,583,000 | 16,963,000 |
| Total capital | 14,698,000 | 17,619,000 | 17,941,000 | 18,308,000 |
| Risk-weighted assets | 82,940,000 | 105,987,000 | 108,491,000 | 107,527,000 |