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 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 80,532,000 | 79,961,000 | 83,076,000 | 81,981,000 |
| Total loans | 51,422,000 | 49,299,000 | 48,300,000 | 48,824,000 |
| Allowance for loan losses | 3,237,000 | 3,283,000 | 2,932,000 | 2,243,000 |
| Securities available for sale | 15,681,000 | 15,133,000 | 14,765,000 | 14,326,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,701,000 | 63,967,000 | 66,875,000 | 65,521,000 |
| Interest-bearing deposits | 53,541,000 | 54,771,000 | 53,854,000 | 53,615,000 |
| Noninterest-bearing deposits | 11,160,000 | 9,196,000 | 13,021,000 | 11,906,000 |
| Equity capital | 10,025,000 | 10,203,000 | 10,395,000 | 10,693,000 |
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 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 833,000 | 1,697,000 | 2,499,000 | 3,385,000 |
| Interest expense | 87,000 | 169,000 | 242,000 | 316,000 |
| Net interest income | 746,000 | 1,528,000 | 2,257,000 | 3,069,000 |
| Noninterest income | 274,000 | 459,000 | 667,000 | 865,000 |
| Noninterest expense | 752,000 | 1,485,000 | 2,136,000 | 2,903,000 |
| Provision for loan losses | 63,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 205,000 | 432,000 | 718,000 | 961,000 |
| Income tax | 44,000 | 97,000 | 174,000 | 232,000 |
| Net income | 161,000 | 335,000 | 544,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,236,000 | 8,554,000 | 8,953,000 |
| Total capital | 8,760,000 | 8,937,000 | 9,257,000 | 9,641,000 |
| Risk-weighted assets | 56,967,000 | 53,460,000 | 54,599,000 | 54,639,000 |