Call reports 2025
BAYBANK — 2025
What BAYBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 165,570,000 | 165,061,000 | 166,209,000 | 168,773,000 |
| Total loans | 123,275,000 | 127,699,000 | 128,446,000 | 129,060,000 |
| Allowance for loan losses | 1,785,000 | 1,801,000 | 1,837,000 | 1,888,000 |
| Securities available for sale | 25,472,000 | 25,215,000 | 25,543,000 | 24,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,109,000 | 145,184,000 | 143,932,000 | 143,827,000 |
| Interest-bearing deposits | 136,124,000 | 132,596,000 | 129,209,000 | 130,290,000 |
| Noninterest-bearing deposits | 9,985,000 | 12,588,000 | 14,723,000 | 13,537,000 |
| Equity capital | 14,748,000 | 15,288,000 | 16,184,000 | 16,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,412,000 | 4,961,000 | 7,597,000 | 10,238,000 |
| Interest expense | 820,000 | 1,621,000 | 2,368,000 | 3,103,000 |
| Net interest income | 1,592,000 | 3,340,000 | 5,229,000 | 7,135,000 |
| Noninterest income | 215,000 | 402,000 | 640,000 | 858,000 |
| Noninterest expense | 1,132,000 | 2,344,000 | 3,610,000 | 4,861,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 160,000 |
| Pretax income | 645,000 | 1,338,000 | 2,159,000 | 2,972,000 |
| Income tax | 142,000 | 273,000 | 440,000 | 611,000 |
| Net income | 503,000 | 1,065,000 | 1,719,000 | 2,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,445,000 | 16,926,000 | 17,497,000 | 17,979,000 |