Call reports 2025
BAYVANGUARD BANK — 2025
What BAYVANGUARD BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 914,177,000 | 900,572,000 | 901,724,000 | 903,014,000 |
| Total loans | 750,171,000 | 751,331,000 | 745,796,000 | 754,575,000 |
| Allowance for loan losses | 8,888,000 | 9,159,000 | 8,197,000 | 6,438,000 |
| Securities available for sale | 35,185,000 | 35,359,000 | 34,482,000 | 33,226,000 |
| Securities held to maturity | 5,912,000 | 5,835,000 | 5,786,000 | 5,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 694,727,000 | 695,129,000 | 687,534,000 | 689,285,000 |
| Interest-bearing deposits | 527,350,000 | 532,093,000 | 533,723,000 | 542,828,000 |
| Noninterest-bearing deposits | 167,377,000 | 163,036,000 | 153,811,000 | 146,457,000 |
| Equity capital | 186,450,000 | 187,964,000 | 190,255,000 | 160,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 11,864,000 | 24,131,000 | 36,662,000 | 49,693,000 |
| Interest expense | 2,926,000 | 5,722,000 | 8,586,000 | 11,593,000 |
| Net interest income | 8,938,000 | 18,409,000 | 28,076,000 | 38,100,000 |
| Noninterest income | 530,000 | 1,245,000 | 1,927,000 | 2,723,000 |
| Noninterest expense | 6,260,000 | 11,918,000 | 17,737,000 | 23,049,000 |
| Provision for loan losses | 351,000 | 594,000 | -387,000 | -2,168,000 |
| Pretax income | 2,912,000 | 7,259,000 | 12,804,000 | 20,202,000 |
| Income tax | 671,000 | 1,833,000 | 3,325,000 | 5,617,000 |
| Net income | 2,241,000 | 5,426,000 | 9,479,000 | 14,585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,443,000 | 175,037,000 | 177,326,000 | 147,851,000 |
| Total capital | 182,453,000 | 183,992,000 | 185,729,000 | 154,386,000 |
| Risk-weighted assets | 720,689,000 | 715,966,000 | 694,305,000 | 699,820,000 |