Call reports 2022
BAYBANK — 2022
What BAYBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 132,962,000 | 133,371,000 | 137,819,000 | 141,934,000 |
| Total loans | 87,679,000 | 93,496,000 | 97,608,000 | 103,016,000 |
| Allowance for loan losses | 1,451,000 | 1,479,000 | 1,501,000 | 1,494,000 |
| Securities available for sale | 31,169,000 | 28,711,000 | 27,789,000 | 26,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,236,000 | 118,387,000 | 120,757,000 | 125,719,000 |
| Interest-bearing deposits | 84,973,000 | 85,846,000 | 85,771,000 | 92,040,000 |
| Noninterest-bearing deposits | 33,263,000 | 32,541,000 | 34,986,000 | 33,679,000 |
| Equity capital | 11,087,000 | 10,505,000 | 10,432,000 | 10,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,378,000 | 2,877,000 | 4,447,000 | 6,136,000 |
| Interest expense | 88,000 | 182,000 | 283,000 | 489,000 |
| Net interest income | 1,290,000 | 2,695,000 | 4,164,000 | 5,647,000 |
| Noninterest income | 227,000 | 396,000 | 566,000 | 752,000 |
| Noninterest expense | 903,000 | 1,864,000 | 2,894,000 | 3,995,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 468,000 | 970,000 | 1,560,000 | 2,074,000 |
| Income tax | 90,000 | 186,000 | 302,000 | 402,000 |
| Net income | 378,000 | 784,000 | 1,258,000 | 1,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,577,000 | 12,912,000 | 13,306,000 | 13,557,000 |
| Total capital | 13,832,000 | — | — | — |
| Risk-weighted assets | 100,227,000 | — | — | — |