Call reports 2014
BAYVANGUARD BANK — 2014
What BAYVANGUARD 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 | 179,232,000 | 178,464,000 | 173,757,000 | 170,983,000 |
| Total loans | 135,188,000 | 133,713,000 | 132,711,000 | 131,693,000 |
| Allowance for loan losses | 1,504,000 | 1,573,000 | 1,792,000 | 1,836,000 |
| Securities available for sale | 2,189,000 | 2,176,000 | 2,131,000 | 2,127,000 |
| Securities held to maturity | 13,143,000 | 12,291,000 | 11,938,000 | 11,285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,796,000 | 152,959,000 | 147,542,000 | 145,019,000 |
| Interest-bearing deposits | 143,073,000 | 141,371,000 | 136,349,000 | 134,387,000 |
| Noninterest-bearing deposits | 10,723,000 | 11,588,000 | 11,193,000 | 10,632,000 |
| Equity capital | 19,163,000 | 19,288,000 | 19,530,000 | 19,800,000 |
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 | 1,857,000 | 3,733,000 | 5,600,000 | 7,378,000 |
| Interest expense | 193,000 | 379,000 | 563,000 | 746,000 |
| Net interest income | 1,664,000 | 3,354,000 | 5,037,000 | 6,632,000 |
| Noninterest income | 77,000 | 131,000 | 388,000 | 640,000 |
| Noninterest expense | 1,274,000 | 2,523,000 | 3,930,000 | 5,234,000 |
| Provision for loan losses | 127,000 | 444,000 | 580,000 | 730,000 |
| Pretax income | 340,000 | 518,000 | 915,000 | 1,308,000 |
| Income tax | 128,000 | 199,000 | 363,000 | 499,000 |
| Net income | 212,000 | 319,000 | 552,000 | 809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,036,000 | 17,329,000 | 17,596,000 | 17,879,000 |
| Total capital | 18,362,000 | 18,655,000 | 18,887,000 | 19,149,000 |
| Risk-weighted assets | 105,899,000 | 105,858,000 | 102,802,000 | 100,981,000 |