Call reports 2019
BAYVANGUARD BANK — 2019
What BAYVANGUARD BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 300,955,000 | 299,535,000 | 297,403,000 | 294,198,000 |
| Total loans | 236,230,000 | 240,300,000 | 233,890,000 | 236,487,000 |
| Allowance for loan losses | 1,748,000 | 1,658,000 | 1,369,000 | 1,293,000 |
| Securities available for sale | 11,019,000 | 10,807,000 | 10,664,000 | 8,362,000 |
| Securities held to maturity | 5,125,000 | 4,900,000 | 4,657,000 | 4,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,393,000 | 225,427,000 | 225,280,000 | 221,108,000 |
| Interest-bearing deposits | 207,046,000 | 203,255,000 | 200,046,000 | 198,018,000 |
| Noninterest-bearing deposits | 21,347,000 | 22,172,000 | 25,234,000 | 23,090,000 |
| Equity capital | 62,907,000 | 63,763,000 | 64,582,000 | 65,197,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,316,000 | 5,572,000 | 8,945,000 | 12,147,000 |
| Interest expense | 294,000 | 777,000 | 1,266,000 | 1,740,000 |
| Net interest income | 2,022,000 | 4,795,000 | 7,679,000 | 10,407,000 |
| Noninterest income | 65,000 | 199,000 | 254,000 | 507,000 |
| Noninterest expense | 1,680,000 | 3,474,000 | 5,330,000 | 7,463,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 387,000 | 1,470,000 | 2,523,000 | 3,341,000 |
| Income tax | 89,000 | 392,000 | 660,000 | 865,000 |
| Net income | 298,000 | 1,078,000 | 1,863,000 | 2,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,991,000 | 59,233,000 | 60,175,000 | 60,721,000 |
| Total capital | 59,739,000 | 60,891,000 | 61,544,000 | 62,014,000 |
| Risk-weighted assets | 184,985,000 | 187,123,000 | 185,498,000 | 187,762,000 |