Call reports 2015
BAYVANGUARD BANK — 2015
What BAYVANGUARD 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 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 170,578,000 | 169,480,000 | 165,366,000 | 167,518,000 |
| Total loans | 129,460,000 | 128,121,000 | 129,774,000 | 130,588,000 |
| Allowance for loan losses | 1,847,000 | 1,822,000 | 1,799,000 | 1,775,000 |
| Securities available for sale | 1,096,000 | 1,096,000 | 1,092,000 | 2,077,000 |
| Securities held to maturity | 12,482,000 | 13,552,000 | 12,696,000 | 11,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,499,000 | 143,167,000 | 138,935,000 | 141,087,000 |
| Interest-bearing deposits | 133,395,000 | 130,089,000 | 127,204,000 | 129,627,000 |
| Noninterest-bearing deposits | 11,104,000 | 13,078,000 | 11,731,000 | 11,460,000 |
| Equity capital | 19,986,000 | 20,072,000 | 20,255,000 | 20,478,000 |
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 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,725,000 | 3,362,000 | 5,116,000 | 6,809,000 |
| Interest expense | 176,000 | 347,000 | 524,000 | 712,000 |
| Net interest income | 1,549,000 | 3,015,000 | 4,592,000 | 6,097,000 |
| Noninterest income | -63,000 | -68,000 | 15,000 | 165,000 |
| Noninterest expense | 1,196,000 | 2,401,000 | 3,683,000 | 4,880,000 |
| Provision for loan losses | 139,000 | 301,000 | 391,000 | 496,000 |
| Pretax income | 151,000 | 245,000 | 533,000 | 885,000 |
| Income tax | -16,000 | 14,000 | 131,000 | 243,000 |
| Net income | 167,000 | 231,000 | 402,000 | 642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,296,000 | 19,263,000 | 19,446,000 | 19,694,000 |
| Total capital | 20,538,000 | 20,494,000 | 20,682,000 | 20,948,000 |
| Risk-weighted assets | 98,499,000 | 97,468,000 | 97,893,000 | 99,392,000 |