Call reports 2021
BAYBANK — 2021
What BAYBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 129,301,000 | 131,571,000 | 130,880,000 | 131,663,000 |
| Total loans | 84,440,000 | 84,204,000 | 83,329,000 | 87,435,000 |
| Allowance for loan losses | 1,248,000 | 1,317,000 | 1,332,000 | 1,423,000 |
| Securities available for sale | 24,753,000 | 25,710,000 | 33,100,000 | 33,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,705,000 | 116,132,000 | 115,132,000 | 115,920,000 |
| Interest-bearing deposits | 81,987,000 | 83,523,000 | 80,262,000 | 80,765,000 |
| Noninterest-bearing deposits | 30,718,000 | 32,609,000 | 34,870,000 | 35,155,000 |
| Equity capital | 11,420,000 | 11,842,000 | 12,171,000 | 12,179,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,246,000 | 2,548,000 | 3,827,000 | 5,250,000 |
| Interest expense | 157,000 | 302,000 | 420,000 | 519,000 |
| Net interest income | 1,089,000 | 2,246,000 | 3,407,000 | 4,731,000 |
| Noninterest income | 250,000 | 526,000 | 795,000 | 1,039,000 |
| Noninterest expense | 866,000 | 1,715,000 | 2,585,000 | 3,497,000 |
| Provision for loan losses | 30,000 | 120,000 | 150,000 | 240,000 |
| Pretax income | 437,000 | 955,000 | 1,494,000 | 2,064,000 |
| Income tax | 85,000 | 184,000 | 287,000 | 401,000 |
| Net income | 352,000 | 771,000 | 1,207,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,263,000 | 11,610,000 | 11,976,000 | 12,270,000 |
| Total capital | — | — | — | 13,515,000 |
| Risk-weighted assets | — | — | — | 99,440,000 |