Call reports 2023
BAYBANK — 2023
What BAYBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 144,312,000 | 146,570,000 | 151,118,000 | 156,356,000 |
| Total loans | 104,002,000 | 109,520,000 | 112,669,000 | 114,613,000 |
| Allowance for loan losses | 1,516,000 | 1,548,000 | 1,492,000 | 1,509,000 |
| Securities available for sale | 26,924,000 | 25,512,000 | 24,645,000 | 25,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,385,000 | 129,276,000 | 133,735,000 | 138,239,000 |
| Interest-bearing deposits | 97,916,000 | 100,313,000 | 121,147,000 | 107,942,000 |
| Noninterest-bearing deposits | 29,469,000 | 28,963,000 | 12,588,000 | 30,297,000 |
| Equity capital | 11,309,000 | 11,207,000 | 11,260,000 | 12,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,658,000 | 3,566,000 | 5,572,000 | 7,720,000 |
| Interest expense | 418,000 | 973,000 | 1,602,000 | 2,317,000 |
| Net interest income | 1,240,000 | 2,593,000 | 3,970,000 | 5,403,000 |
| Noninterest income | 249,000 | 468,000 | 665,000 | 882,000 |
| Noninterest expense | 1,109,000 | 2,207,000 | 3,325,000 | 4,432,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 412,000 | 835,000 | 1,291,000 | 1,827,000 |
| Income tax | 81,000 | 165,000 | 256,000 | 365,000 |
| Net income | 331,000 | 670,000 | 1,035,000 | 1,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,817,000 | 14,079,000 | 14,373,000 | 14,630,000 |