Call reports 2016
BAYVANGUARD BANK — 2016
What BAYVANGUARD BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 169,344,000 | 169,154,000 | 167,281,000 | 167,221,000 |
| Total loans | 130,844,000 | 127,638,000 | 127,302,000 | 128,295,000 |
| Allowance for loan losses | 1,646,000 | 2,111,000 | 2,188,000 | 2,128,000 |
| Securities available for sale | 4,301,000 | 10,333,000 | 11,188,000 | 11,739,000 |
| Securities held to maturity | 11,351,000 | 6,972,000 | 6,574,000 | 6,222,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,027,000 | 143,648,000 | 140,990,000 | 141,022,000 |
| Interest-bearing deposits | 129,860,000 | 129,192,000 | 128,066,000 | 126,460,000 |
| Noninterest-bearing deposits | 13,167,000 | 14,456,000 | 12,924,000 | 14,562,000 |
| Equity capital | 20,574,000 | 19,993,000 | 20,177,000 | 20,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,743,000 | 3,398,000 | 5,145,000 | 6,844,000 |
| Interest expense | 193,000 | 386,000 | 586,000 | 784,000 |
| Net interest income | 1,550,000 | 3,012,000 | 4,559,000 | 6,060,000 |
| Noninterest income | 89,000 | 85,000 | 153,000 | 255,000 |
| Noninterest expense | 1,276,000 | 2,706,000 | 3,960,000 | 5,236,000 |
| Provision for loan losses | 240,000 | 1,251,000 | 1,368,000 | 1,443,000 |
| Pretax income | 123,000 | -860,000 | -616,000 | -364,000 |
| Income tax | 41,000 | -336,000 | -255,000 | -162,000 |
| Net income | 82,000 | -524,000 | -361,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,049,000 | 19,422,000 | 19,608,000 | 19,777,000 |
| Total capital | 21,314,000 | 20,682,000 | 20,866,000 | 21,037,000 |
| Risk-weighted assets | 100,735,000 | 99,806,000 | 99,612,000 | 99,801,000 |