Call reports 2015
BAY BANK — 2015
What BAY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 78,822,000 | 78,756,000 | 81,817,000 | 81,092,000 |
| Total loans | 48,989,000 | 49,471,000 | 50,337,000 | 51,156,000 |
| Allowance for loan losses | 2,217,000 | 2,211,000 | 2,209,000 | 1,859,000 |
| Securities available for sale | 13,909,000 | 12,870,000 | 12,316,000 | 13,711,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,216,000 | 63,105,000 | 65,929,000 | 65,016,000 |
| Interest-bearing deposits | 52,525,000 | 50,973,000 | 54,050,000 | 51,690,000 |
| Noninterest-bearing deposits | 10,691,000 | 12,132,000 | 11,879,000 | 13,326,000 |
| Equity capital | 10,819,000 | 10,887,000 | 11,061,000 | 11,280,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 829,000 | 1,652,000 | 2,502,000 | 3,399,000 |
| Interest expense | 68,000 | 132,000 | 193,000 | 255,000 |
| Net interest income | 761,000 | 1,520,000 | 2,309,000 | 3,144,000 |
| Noninterest income | 178,000 | 428,000 | 682,000 | 1,013,000 |
| Noninterest expense | 830,000 | 1,613,000 | 2,426,000 | 3,282,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 109,000 | 335,000 | 565,000 | 875,000 |
| Income tax | 10,000 | 66,000 | 123,000 | 215,000 |
| Net income | 99,000 | 269,000 | 442,000 | 660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,134,000 | 10,010,000 | 10,183,000 | 10,242,000 |
| Total capital | 10,818,000 | 10,709,000 | 10,896,000 | 10,966,000 |
| Risk-weighted assets | 53,344,000 | 54,110,000 | 55,201,000 | 56,537,000 |