Call reports 2019
BAYBANK — 2019
What BAYBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 103,072,000 | 105,243,000 | 106,595,000 | 106,281,000 |
| Total loans | 75,987,000 | 77,145,000 | 77,738,000 | 79,084,000 |
| Allowance for loan losses | 708,000 | 673,000 | 711,000 | 942,000 |
| Securities available for sale | 18,032,000 | 17,121,000 | 17,232,000 | 16,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,446,000 | 90,546,000 | 91,409,000 | 90,363,000 |
| Interest-bearing deposits | 71,565,000 | 72,236,000 | 73,198,000 | 72,580,000 |
| Noninterest-bearing deposits | 17,881,000 | 18,310,000 | 18,211,000 | 17,783,000 |
| Equity capital | 9,257,000 | 9,656,000 | 9,989,000 | 10,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,473,000 | 3,824,000 | 5,148,000 |
| Interest expense | 177,000 | 376,000 | 593,000 | 811,000 |
| Net interest income | 1,022,000 | 2,097,000 | 3,231,000 | 4,337,000 |
| Noninterest income | 99,000 | 209,000 | 331,000 | 465,000 |
| Noninterest expense | 754,000 | 1,565,000 | 2,358,000 | 3,124,000 |
| Provision for loan losses | 60,000 | 92,000 | 130,000 | 367,000 |
| Pretax income | 307,000 | 650,000 | 1,075,000 | 1,525,000 |
| Income tax | 55,000 | 118,000 | 200,000 | 322,000 |
| Net income | 252,000 | 532,000 | 875,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,253,000 | 9,474,000 | 9,758,000 | 9,905,000 |
| Total capital | 9,961,000 | 10,147,000 | 10,469,000 | 10,847,000 |
| Risk-weighted assets | 81,727,000 | 82,216,000 | 84,025,000 | 83,039,000 |
Machine access — free, no API key
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