Call reports 2022
BAYVANGUARD BANK — 2022
What BAYVANGUARD BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 849,889,000 | 849,860,000 | 840,868,000 | 836,968,000 |
| Total loans | 635,592,000 | 633,474,000 | 650,199,000 | 662,671,000 |
| Allowance for loan losses | 2,887,000 | 3,104,000 | 3,339,000 | 3,813,000 |
| Securities available for sale | 39,182,000 | 35,885,000 | 34,532,000 | 33,034,000 |
| Securities held to maturity | 7,566,000 | 7,388,000 | 10,737,000 | 10,461,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 718,842,000 | 722,839,000 | 707,062,000 | 687,759,000 |
| Interest-bearing deposits | 547,678,000 | 542,189,000 | 539,805,000 | 520,928,000 |
| Noninterest-bearing deposits | 171,164,000 | 180,650,000 | 167,257,000 | 166,831,000 |
| Equity capital | 115,362,000 | 117,526,000 | 119,235,000 | 123,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 7,419,000 | 15,417,000 | 23,996,000 | 33,380,000 |
| Interest expense | 368,000 | 691,000 | 988,000 | 1,368,000 |
| Net interest income | 7,051,000 | 14,726,000 | 23,008,000 | 32,012,000 |
| Noninterest income | 1,488,000 | 2,670,000 | 3,352,000 | 5,664,000 |
| Noninterest expense | 4,309,000 | 8,959,000 | 13,539,000 | 19,884,000 |
| Provision for loan losses | 177,000 | 401,000 | 587,000 | 1,038,000 |
| Pretax income | 4,053,000 | 8,036,000 | 12,234,000 | 16,754,000 |
| Income tax | 1,078,000 | 1,979,000 | 3,130,000 | 4,491,000 |
| Net income | 2,975,000 | 6,057,000 | 9,104,000 | 12,263,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,971,000 | 102,702,000 | 105,680,000 | 109,939,000 |
| Total capital | 102,867,000 | 105,810,000 | 109,024,000 | 113,757,000 |
| Risk-weighted assets | 577,703,000 | 595,436,000 | 645,616,000 | 656,024,000 |