Call reports 2018
BAYBANK — 2018
What BAYBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 94,302,000 | 93,819,000 | 96,431,000 | 99,166,000 |
| Total loans | 65,564,000 | 68,007,000 | 71,974,000 | 73,425,000 |
| Allowance for loan losses | 681,000 | 706,000 | 692,000 | 699,000 |
| Securities available for sale | 21,008,000 | 19,337,000 | 17,876,000 | 17,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,309,000 | 80,804,000 | 83,330,000 | 85,865,000 |
| Interest-bearing deposits | 65,165,000 | 63,984,000 | 67,396,000 | 69,313,000 |
| Noninterest-bearing deposits | 16,144,000 | 16,820,000 | 15,934,000 | 16,552,000 |
| Equity capital | 8,535,000 | 8,685,000 | 8,765,000 | 8,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,013,000 | 2,088,000 | 3,228,000 | 4,403,000 |
| Interest expense | 110,000 | 224,000 | 359,000 | 516,000 |
| Net interest income | 903,000 | 1,864,000 | 2,869,000 | 3,887,000 |
| Noninterest income | 121,000 | 256,000 | 373,000 | 511,000 |
| Noninterest expense | 775,000 | 1,577,000 | 2,389,000 | 3,214,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 219,000 | 483,000 | 765,000 | 1,062,000 |
| Income tax | 34,000 | 78,000 | 129,000 | 130,000 |
| Net income | 185,000 | 405,000 | 636,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,822,000 | 8,994,000 | 9,178,000 | 8,745,000 |
| Total capital | 9,503,000 | 9,700,000 | 9,870,000 | 9,444,000 |
| Risk-weighted assets | 73,936,000 | 74,894,000 | 77,940,000 | 79,122,000 |