Call reports 2018
BAYVANGUARD BANK — 2018
What BAYVANGUARD BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 167,454,000 | 167,310,000 | 162,190,000 | 160,203,000 |
| Total loans | 122,059,000 | 126,442,000 | 123,713,000 | 124,966,000 |
| Allowance for loan losses | 1,849,000 | 1,807,000 | 1,769,000 | 1,793,000 |
| Securities available for sale | 13,468,000 | 13,080,000 | 12,275,000 | 12,062,000 |
| Securities held to maturity | 6,361,000 | 5,932,000 | 5,656,000 | 5,444,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,677,000 | 141,399,000 | 135,897,000 | 133,094,000 |
| Interest-bearing deposits | 121,997,000 | 120,232,000 | 115,747,000 | 113,050,000 |
| Noninterest-bearing deposits | 19,680,000 | 21,167,000 | 20,150,000 | 20,044,000 |
| Equity capital | 20,573,000 | 20,701,000 | 20,893,000 | 21,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,408,000 | 5,099,000 | 6,842,000 |
| Interest expense | 196,000 | 382,000 | 589,000 | 804,000 |
| Net interest income | 1,461,000 | 3,026,000 | 4,510,000 | 6,038,000 |
| Noninterest income | 80,000 | 228,000 | 346,000 | 455,000 |
| Noninterest expense | 1,327,000 | 2,599,000 | 3,967,000 | 5,268,000 |
| Provision for loan losses | 60,000 | -6,000 | 14,000 | 44,000 |
| Pretax income | 154,000 | 661,000 | 875,000 | 1,181,000 |
| Income tax | 34,000 | 410,000 | 458,000 | 512,000 |
| Net income | 120,000 | 251,000 | 417,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,361,000 | 20,557,000 | 20,743,000 | 21,024,000 |
| Total capital | 21,644,000 | 21,874,000 | 22,006,000 | 22,255,000 |
| Risk-weighted assets | 102,100,000 | 104,908,000 | 100,562,000 | 97,947,000 |