Call reports 2021
BAYVANGUARD BANK — 2021
What BAYVANGUARD BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 808,015,000 | 800,771,000 | 800,286,000 | 808,169,000 |
| Total loans | 620,379,000 | 602,846,000 | 573,939,000 | 587,103,000 |
| Allowance for loan losses | 2,028,000 | 2,137,000 | 2,258,000 | 2,666,000 |
| Securities available for sale | 28,851,000 | 32,492,000 | 38,488,000 | 37,793,000 |
| Securities held to maturity | 7,175,000 | 6,785,000 | 8,632,000 | 8,379,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 692,014,000 | 685,254,000 | 683,108,000 | 688,612,000 |
| Interest-bearing deposits | 526,786,000 | 511,436,000 | 515,700,000 | 510,158,000 |
| Noninterest-bearing deposits | 165,228,000 | 173,818,000 | 167,408,000 | 178,454,000 |
| Equity capital | 102,246,000 | 104,716,000 | 106,979,000 | 109,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 7,341,000 | 14,411,000 | 21,673,000 | 29,408,000 |
| Interest expense | 597,000 | 1,107,000 | 1,532,000 | 1,928,000 |
| Net interest income | 6,744,000 | 13,304,000 | 20,141,000 | 27,480,000 |
| Noninterest income | 759,000 | 1,306,000 | 1,817,000 | 2,342,000 |
| Noninterest expense | 3,333,000 | 6,873,000 | 10,744,000 | 14,454,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 575,000 |
| Pretax income | 4,080,000 | 7,557,000 | 10,944,000 | 14,793,000 |
| Income tax | 1,025,000 | 1,960,000 | 2,857,000 | 3,797,000 |
| Net income | 3,055,000 | 5,597,000 | 8,087,000 | 10,996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,306,000 | 88,033,000 | 90,628,000 | 93,211,000 |
| Total capital | 87,349,000 | 90,184,000 | 92,899,000 | 95,890,000 |
| Risk-weighted assets | 521,049,000 | 505,848,000 | 509,930,000 | 530,542,000 |