Call reports 2017
BAYBANK — 2017
What BAYBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 88,026,000 | 87,856,000 | 90,279,000 | 91,449,000 |
| Total loans | 55,014,000 | 57,024,000 | 60,727,000 | 63,344,000 |
| Allowance for loan losses | 603,000 | 634,000 | 636,000 | 653,000 |
| Securities available for sale | 25,308,000 | 23,811,000 | 23,180,000 | 21,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,833,000 | 75,203,000 | 76,847,000 | 78,089,000 |
| Interest-bearing deposits | 63,897,000 | 60,455,000 | 61,829,000 | 63,013,000 |
| Noninterest-bearing deposits | 14,936,000 | 14,748,000 | 15,018,000 | 15,076,000 |
| Equity capital | 8,406,000 | 8,756,000 | 8,969,000 | 8,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 899,000 | 1,825,000 | 2,825,000 | 3,855,000 |
| Interest expense | 83,000 | 168,000 | 263,000 | 361,000 |
| Net interest income | 816,000 | 1,657,000 | 2,562,000 | 3,494,000 |
| Noninterest income | 107,000 | 236,000 | 362,000 | 673,000 |
| Noninterest expense | 744,000 | 1,444,000 | 2,170,000 | 2,941,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 157,000 | 397,000 | 672,000 | 1,114,000 |
| Income tax | 15,000 | 69,000 | 120,000 | 383,000 |
| Net income | 142,000 | 328,000 | 552,000 | 731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,402,000 | 8,456,000 | 8,742,000 | 8,710,000 |
| Total capital | 9,005,000 | 9,090,000 | 9,378,000 | 9,363,000 |
| Risk-weighted assets | 68,656,000 | 68,450,000 | 71,182,000 | 71,580,000 |