Call reports 2015
BAYBANK — 2015
What BAYBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 87,082,000 | 84,273,000 | 86,385,000 | 87,750,000 |
| Total loans | 48,214,000 | 48,797,000 | 49,411,000 | 49,573,000 |
| Allowance for loan losses | 832,000 | 861,000 | 884,000 | 822,000 |
| Securities available for sale | 30,483,000 | 30,013,000 | 29,135,000 | 29,115,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,435,000 | 75,760,000 | 77,680,000 | 78,867,000 |
| Interest-bearing deposits | 59,762,000 | 59,482,000 | 64,741,000 | 72,009,000 |
| Noninterest-bearing deposits | 18,673,000 | 16,278,000 | 12,939,000 | 6,858,000 |
| Equity capital | 8,095,000 | 7,959,000 | 8,178,000 | 8,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 842,000 | 1,701,000 | 2,565,000 | 3,473,000 |
| Interest expense | 103,000 | 209,000 | 298,000 | 381,000 |
| Net interest income | 739,000 | 1,492,000 | 2,267,000 | 3,092,000 |
| Noninterest income | 109,000 | 219,000 | 348,000 | 457,000 |
| Noninterest expense | 665,000 | 1,403,000 | 2,066,000 | 2,782,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 4,000 |
| Pretax income | 163,000 | 295,000 | 518,000 | 801,000 |
| Income tax | 27,000 | 43,000 | 89,000 | 133,000 |
| Net income | 136,000 | 252,000 | 429,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,637,000 | 7,696,000 | 7,802,000 | 7,893,000 |
| Total capital | 8,373,000 | 8,410,000 | 8,598,000 | 8,685,000 |
| Risk-weighted assets | 58,765,000 | 56,998,000 | 63,598,000 | 63,373,000 |