Call reports 2017
BAYVANGUARD BANK — 2017
What BAYVANGUARD BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 169,805,000 | 171,006,000 | 165,392,000 | 168,173,000 |
| Total loans | 126,310,000 | 128,261,000 | 127,052,000 | 127,098,000 |
| Allowance for loan losses | 2,139,000 | 2,090,000 | 2,063,000 | 1,824,000 |
| Securities available for sale | 11,612,000 | 12,977,000 | 12,580,000 | 12,239,000 |
| Securities held to maturity | 8,323,000 | 7,913,000 | 7,202,000 | 6,708,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,668,000 | 145,081,000 | 138,884,000 | 142,353,000 |
| Interest-bearing deposits | 126,405,000 | 126,074,000 | 123,653,000 | 123,409,000 |
| Noninterest-bearing deposits | 17,263,000 | 19,007,000 | 15,231,000 | 18,944,000 |
| Equity capital | 20,430,000 | 20,644,000 | 20,836,000 | 20,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,719,000 | 3,460,000 | 5,142,000 | 6,807,000 |
| Interest expense | 193,000 | 385,000 | 582,000 | 783,000 |
| Net interest income | 1,526,000 | 3,075,000 | 4,560,000 | 6,024,000 |
| Noninterest income | 40,000 | 132,000 | 207,000 | 308,000 |
| Noninterest expense | 1,149,000 | 2,435,000 | 3,673,000 | 4,905,000 |
| Provision for loan losses | 135,000 | 210,000 | 270,000 | 330,000 |
| Pretax income | 282,000 | 562,000 | 824,000 | 1,097,000 |
| Income tax | 100,000 | 218,000 | 307,000 | 894,000 |
| Net income | 182,000 | 344,000 | 517,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,965,000 | 20,176,000 | 20,408,000 | 20,225,000 |
| Total capital | 21,241,000 | 21,475,000 | 21,700,000 | 21,528,000 |
| Risk-weighted assets | 101,211,000 | 103,060,000 | 102,541,000 | 103,721,000 |