Call reports 2013
BAYBANK — 2013
What BAYBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 84,910,000 | 83,189,000 | 84,352,000 | 82,600,000 |
| Total loans | 42,270,000 | 43,695,000 | 43,934,000 | 44,959,000 |
| Allowance for loan losses | 678,000 | 671,000 | 687,000 | 720,000 |
| Securities available for sale | 31,960,000 | 30,475,000 | 30,457,000 | 29,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,549,000 | 72,262,000 | 73,506,000 | 72,508,000 |
| Interest-bearing deposits | 61,777,000 | 60,797,000 | 61,352,000 | 60,308,000 |
| Noninterest-bearing deposits | 11,772,000 | 11,465,000 | 12,154,000 | 12,200,000 |
| Equity capital | 9,888,000 | 9,506,000 | 9,471,000 | 9,377,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 846,000 | 1,693,000 | 2,533,000 | 3,376,000 |
| Interest expense | 134,000 | 255,000 | 369,000 | 476,000 |
| Net interest income | 712,000 | 1,438,000 | 2,164,000 | 2,900,000 |
| Noninterest income | 122,000 | 249,000 | 348,000 | 464,000 |
| Noninterest expense | 621,000 | 1,265,000 | 1,862,000 | 2,517,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 186,000 | 390,000 | 597,000 | 764,000 |
| Income tax | 37,000 | 81,000 | 124,000 | 155,000 |
| Net income | 149,000 | 309,000 | 473,000 | 609,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,269,000 | 9,304,000 | 9,340,000 | 9,220,000 |
| Total capital | 9,947,000 | 9,975,000 | 10,027,000 | 9,940,000 |
| Risk-weighted assets | 54,433,000 | 55,262,000 | 55,579,000 | 58,596,000 |