Call reports 2020
BAYBANK — 2020
What BAYBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 115,766,000 | 121,610,000 | 117,220,000 | 124,167,000 |
| Total loans | 78,932,000 | 84,222,000 | 85,347,000 | 83,528,000 |
| Allowance for loan losses | 966,000 | 987,000 | 1,229,000 | 1,222,000 |
| Securities available for sale | 16,630,000 | 19,707,000 | 20,238,000 | 21,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,097,000 | 105,908,000 | 101,115,000 | 107,593,000 |
| Interest-bearing deposits | 80,618,000 | 81,316,000 | 76,875,000 | 77,307,000 |
| Noninterest-bearing deposits | 19,479,000 | 24,592,000 | 24,240,000 | 30,286,000 |
| Equity capital | 9,966,000 | 10,797,000 | 11,187,000 | 11,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,300,000 | 2,630,000 | 4,201,000 | 5,525,000 |
| Interest expense | 226,000 | 431,000 | 612,000 | 786,000 |
| Net interest income | 1,074,000 | 2,199,000 | 3,589,000 | 4,739,000 |
| Noninterest income | 269,000 | 384,000 | 456,000 | 853,000 |
| Noninterest expense | 843,000 | 1,676,000 | 2,536,000 | 3,537,000 |
| Provision for loan losses | 30,000 | 60,000 | 340,000 | 370,000 |
| Pretax income | 355,000 | 767,000 | 1,189,000 | 1,770,000 |
| Income tax | 65,000 | 145,000 | 225,000 | 339,000 |
| Net income | 290,000 | 622,000 | 964,000 | 1,431,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,123,000 | 10,385,000 | 10,656,000 | 10,981,000 |
| Total capital | — | — | — | 12,126,000 |
| Risk-weighted assets | — | — | — | 91,586,000 |