Call reports 2014
BAYBANK — 2014
What BAYBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 83,755,000 | 82,245,000 | 82,876,000 | 83,453,000 |
| Total loans | 45,509,000 | 46,096,000 | 46,744,000 | 47,628,000 |
| Allowance for loan losses | 738,000 | 753,000 | 781,000 | 812,000 |
| Securities available for sale | 29,400,000 | 28,768,000 | 29,235,000 | 28,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,648,000 | 71,791,000 | 72,410,000 | 72,847,000 |
| Interest-bearing deposits | 61,232,000 | 59,317,000 | 60,770,000 | 59,177,000 |
| Noninterest-bearing deposits | 12,416,000 | 12,474,000 | 11,640,000 | 13,670,000 |
| Equity capital | 9,544,000 | 9,854,000 | 9,868,000 | 9,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 823,000 | 1,666,000 | 2,514,000 | 3,343,000 |
| Interest expense | 98,000 | 190,000 | 283,000 | 376,000 |
| Net interest income | 725,000 | 1,476,000 | 2,231,000 | 2,967,000 |
| Noninterest income | 79,000 | 175,000 | 283,000 | 412,000 |
| Noninterest expense | 630,000 | 1,254,000 | 1,872,000 | 2,527,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 144,000 | 351,000 | 587,000 | 780,000 |
| Income tax | 23,000 | 67,000 | 119,000 | 124,000 |
| Net income | 121,000 | 284,000 | 468,000 | 656,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,321,000 | 9,458,000 | 9,564,000 | 9,539,000 |
| Total capital | 10,059,000 | 10,211,000 | 10,254,000 | 10,237,000 |
| Risk-weighted assets | 59,246,000 | 60,391,000 | 55,143,000 | 55,863,000 |