Call reports 2014
BAY BANK — 2014
What BAY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 |
|---|---|---|
| Total assets | 77,976,000 | 78,005,000 |
| Total loans | 44,423,000 | 43,289,000 |
| Allowance for loan losses | 937,000 | 822,000 |
| Securities available for sale | 19,729,000 | 19,598,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 56,838,000 | 59,072,000 |
| Interest-bearing deposits | 44,480,000 | 45,754,000 |
| Noninterest-bearing deposits | 12,358,000 | 13,319,000 |
| Equity capital | 5,714,000 | 5,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 |
|---|---|---|
| Interest income | 754,000 | 1,499,000 |
| Interest expense | 110,000 | 215,000 |
| Net interest income | 644,000 | 1,284,000 |
| Noninterest income | 99,000 | 209,000 |
| Noninterest expense | 728,000 | 1,706,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 15,000 | -213,000 |
| Income tax | 0 | 0 |
| Net income | 15,000 | -213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 |
|---|---|---|
| Tier 1 capital | 4,361,000 | 4,134,000 |
| Total capital | 5,025,000 | 4,782,000 |
| Risk-weighted assets | 52,824,000 | 51,639,000 |